Active Duty and Veterans use at own risk. After getting the run around from Chase decided to give Top Flight a chance. Told the loan representative from the beginning the purpose of the cash out refi was to make repairs (replace A/C) and improvements to my home that is 100% payed for. Loan officer attempted to get an appraisal waiver sense I had just payed for an appraisal for the Chase Bank nightmare. Top Flight would not give me the waiver and thier appraisal fee was more then what I payed through Chase. Top Flight was willing to take the fee out of the equity cash I would get after closing, but wanted to see the appraisal from Chase. Sent them a copy of the appraisal, Top Flight then tells me the same thing I got from Chase Bank. I would have to replace A/C before they would close. Sense the only thing holding the loan up in underwriting was the A/C, the loan officer then tried to get Top Flight to agree to a no more delays, 100% guaranteed loan approval if I found an A/C company willing to do the work before the loan closed and except payment after closing. Nope wouldn't do that either. So after 2 attempts at getting a cash out refi to fix my A/C, and remodel, I have 100+ degree Arizona heat, no A/C and 2 hits on my credit score. The only positive thing I have to say is the loan officer was great and worked above and beyond to get this done. Ultimately the decision makers lack the intestinal fortitude to take a chance on a sure thing and tanked all his hard work.Thanks for realy helping a retired Army Veteran out Top Flight your no better then the big banks.