Received a call from this company, said these folks were BESTRATE REFINANCE WALNUT CREEK, Looked them up and sure enough they are a company. Here is actually their information; BESTRATE REFINANCE WALNUT CREEK 1901 Olympic Blvd Suite 220, Walnut Creek, CA 94596, 925-309-6151. The individual identified himself as Clint Madison and was basically presenting his services.