I did hear about them. Their rate is not as good as absolute mortgage. From quick glance, it doesn’t look like they do negative point either (i.e. they don’t credit you back for the negative point). I’m actually in the process of refi-ing again with Sheldon and he was able to almost match absolute mortgage. I still went with Sheldon even though he can’t exactly match absolute mortgage is because I read quite a few bad review of absolute mortgage online and I had a few transactions with Sheldon and they all have been smooth. So, I’m willing to pay a few hundred to not have that head-ache dealing with unknown online loan person. For pure rate though, absolute mortgage have the lowest rate I’ve seen so far.
