Reliance First Capital is a fraud as Sam said. I dealt with them for over one year thinking I was approved for a refinance at a lower rate.
Every day I contacted them I was told I would close in 30 days. They attempted to make me not pay my mortgage on time by saying we will close in 30 days and we have a payoff.
Then I would contact them a few days prior to the closing and no answer or they would state they needed additional information for my credit file.
It went on for months. Then I filed a complaint with the manager West who said I will take over and followup.
He was worse. Same games and lies. They are a fraud. Do not deal with them.
They will attempt to worsen your credit report, ask for credit card info for appraisal costing 400$ dollars or more.
Then no refinance. Be very careful!