I have received several calls from this company.  I answered one time & felt comfortable because I am looking to refinance for a lower rate.  They sounded American & professioal & asked logical questions. But thensaid they needed to check my credit & needed my birthdate & social security #.  In the beginning the call was from a local # & then I was switched to asupervisor who said he was in Texas.  When he started asking for persoal info, I hung up on him. Then I received 3 calls from the same # in California, so the third time I asnwered it was the guy from "texas".  I questioned him about it & his answer was his main branch was in California & all calls were routed through there.  Very shakey.  I once again hung up & have received 2 calls in the last hour from "different numbers".  No longer answering any & no messages are left.