The information provided can be misleading as it suggests that a refinancing rate would be offered without first collecting all of the customer's information. This can be deceiving and unfair to the customer so now I will have many companies and bank people calling me, and I won't be able to answer my phone. You need to make sure to honor your commitments and stay true to your beliefs by checking equity and making sure to follow through with honoring what you say I learned a new lesson, if it's 2 good to be true it probably is. My sincere regrets!