I had a mortgage with Wells Fargo, after talking with Daryl Schafer i decided to refinance with him and citywide mortgage. Daryl Schafer told me that i could save over $300 a month. After doing everything Daryl Schafer told me to do, sending all information and paying over $5000.00 to Daryl Schafer. MY BIG savings that i received was $32 a month. Daryl Schafer and his partner William Palzkill are complete lies and thief. Whenever I call I get a different story. Funny how when they were selling me on this great refinance mortgage i was going to save BIG. Now after they have my money i get almost thing. They lied to me and stole from my family I would strongly suggest staying away from Daryl Schafer, William Palzkill, and anyone in their office. They may work for a large lender, but they act like thieves!