I answered you in the "other site", but I'll do it here too.
We called Ameriquest, talked to a very nice person on the phone, and got absolutely no where with them. They were not at all good with any kind of followup.
Our current mortage holder is giving us a great deal on refinanicing - we're going to save $400.00 dollars a month + cut some time of the mortage.
Maybe check with your mortage holder?????