LSI Mortage Plus Lending Solutions Inc. Beware of hard pressure sales and unfulfilled promises - these guys are slick! st. louis, Missouri

i was curious to see if i could save some money on my mortage, and hadn't planned on refinancing unless it made good financial sense, as i was comfortable in the mortage i had.
None of the scenarios James, the finance manager proposed to me seemed like good options but he was relentless in his attempts to get me to refinance.    Long story short, i was pressured into a cash out refinance with the promise that i would only be in this loan for 4 months.  The loan payment was over $400.00 more than my current payment and included PMI which i didn't have before.  I told him i couldn't afford the higher monthly payment and he assured me that if i paid off my credit card debt with the cash out, my credit score would immediately go up and i would be able to do a streamline refi in 4 months at an even lower interest rate and eliminate the PMI.   I should have walked when i couldn't get him to put this in writing, but i took his word for it (my bad).  

Needless to say, when 4 months rolled around i was unable to get James to answer my calls or emails.   I left messages with everyone, including the president of the company.  When James finally emailed me back, his email was very accusatory and defensive ("I never told you that!")

Every dime i earn is now going towards this mortage, and i must consider it a lesson learned and move on.  I would just like others to be aware of this company's unsavory business practices.