Instead of assuming everything you're being told is the truth, ask plenty of questions.
The wheels of justice - they're square wheels.
Insecurity is a wonderful motivator.
No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.
Great sales people [don't] have the ability to feel sorry for themselves.
All the best things that happened to me happened after I was rejected. I knew the power of getting past no.