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None. In late XXXX/early XXXX, we received a mailing from Freedom Mortgage, a company affiliated with our current mortgage holder, XXXX XXXX. The mailing stated that Freedom works with current XXXX customers to reduce their interest rate and lower their monthly payments. On or about XX/XX/XXXX, we spoke with Loan Officer XXXX XXXX. XXXX asked us some general questions ; are we married, do we own the home ; is it our primary residence, etc. He asked no questions related to the style of home we live in. We had some email correspondence clarifying some questions and concerns. XXXX clearly stated that if we started now, that we would likely close in XXXX and that instead of making my XXXX mortgage payment on the XX/XX/XXXX, we would be bring with us to closing the interest and taxes as o