Network Capital Funding Initiated refinance without permission - had their name added to my homeowner's insurance instead of the actual mortgagee! Miami FL

I took a telemarking call from Joshua Stevens about a VA IRRRL. Since I already had a 3.625 rate, I did not think it was worth the money they were going to charge for their fees (which would be added to the principal balance). They then came back with a greatly reduced funding/origination fee, but I was already distrustful of them because of the numerous mistakes they continually made on every loan scenario they emailed me. Josh was obviously in a 'boiler room' - lots of background noise, and he had to put me on hold while he found out what 'points' were when I asked about the rate he was offering.

We've gone through a half dozen real estate closings and know how much is involved in correcting mistakes mortgage processors make, so I wasn't enthusiastic about working with this company from the mistakes in the loan scenarios presented. I stopped taking their calls and told them I wasn't interested, then hey offered a cash out scenario, but I didn't like that, either. Then I get an email about a new document in my homeowners insurance account and see that this company had made themselves the primary mortgage holder! I had not signed ANY paperwork authorizing any refinancing with this company. I would never trust this company with what is typically the largest transaction of a lifetime.