I FOUND A GOOD PLACE TO GO IF YOU ARE THINKING ABOUT REFINANCING OR GETTING A HOME EQUITY. BANK OF ENGLAND WHICH IS LOCATED IN JACKSONVILLE. YOU NEVER LEAVE YOUR HOME TO FINISH THE LOAN. A NOTARY COMES TO DO THE PAPER WORK AND THE ONE I HAD LIVED A MILE FROM HOME. NOTARY ALSO DOES THE CLOSING. LET ME KNOW IF YOU WANT MORE INFO