"I called for information on the HARP program to see if it would benefit me to refinance. Within minutes a received a return call from Giancarlo. He advised me that I would no benefit from refinancing ...I called for information on the HARP program to see if it would benefit me to refinance. Within minutes a received a return call from Giancarlo. He advised me that I would no benefit from refinancing at this time. He was friendly, knowledgeable and honest. If I need assistance in the future, I will definitely call him."