i requested a interest rate reduction for my home loan, KIM M. of loan fullfillment help me(that's what i thought). After two request, She was able to give me 0.5% reduction(from 8% down to 7.5%). Advice me to send the necessary document and pay for amendment fee before the deadline she gave, that is without giving me how much would be my new monthly amortization. To make the story short, i was able to fullfil all those requirement ahead of time. Then make follow up and ask her how much will be my new amortization rate. To my surprise, really surprise, all my expenses considering amendment fee, gasoline and toll fee is pretty MUCH bigger than what i can save with the new monthly amortization. WTF. This person(if she really is) don't know how it feels to be fooled. Imagine she wasted my time and effort for nothing and I knew she now it. I know KARMA today is already digital, i just hope that she will not encounter this kind of fooling in the future.