Was assigned to Michael Carbone for a re-financing. Rude, arrogant and short with his responses. When confronted, he said he was just so busy. If he was too busy to pay attention to me as his customer then he shouldn't have taken me on. Then he shows up at my closing? Really? I never had met the man - just dropped off papers at his office. But the worst thing - he saved me $600 / month by refinancing, BUT they calculated the insurance / taxes wrong (evidently figured taxes only on property, not on the house I bought that was built in 1980) so after about a year of lower payment, my payment is back up to where it started ! And I paid all those fees, appraisals, etc..! I would have never refinanced had they calculated correctly. I was not behind on the original note! Big regret using them. read more