We tried renofi because we didn't have enough equity in the house for a heloc. I don't know if this company is scamming to get kickbacks from appraisals and referrals or if they're just terrible, but in either case, they are the worst. After the initial consultation, they are near impossible to get a hold of. They do not answer emails, you have to schedule a call and they won't always show up for that. They don't keep you updated and they don't follow up with you or the bank. And they use the lowest rated shady banks to begin with. They don't actually give you any choice of bank, they pick one and submit for you. At the beginning, they collect your information, but they don't collect everything the bank needs, so 4 months later, after hearing almost nothing despite requests, the banks rejects you because they made assumptions. Even after providing them proof of what they needed, which they say they'll look at, silence. Just, literally no communication from the bank or from renofi. Even though renofi said they had other banks to submit to and said they would if this bank rejects, they didn't do it. And they wont talk to you again. They don't answer email, they don't call when you schedule a call. Just nothing. We could've sold our home for a huge profit, had an offer, but we were told y Renofi that we were approved so we declined the offer. The market is cooled now so that is an opportunity well never get back. We have great income, great credit, almost half the renovation budget in savings, an appropriate debt-income ratio, a detailed contractor bid, and the as competed appraisal came back high enough. They either dropped the ball or never had a ball to begin with. *Edited to add because of business's response: Our application was in my husband's name, though we were both involved in every aspect, I'm on the deed to the house, and was on the (of the few there were) calls and emails.*