VA Hybrid Refinance review: Bad Hybrid VA Loan 1

MIC called telling me they had a new fixed rate "only for veterans." After reading this I seen that exactly the same thing happened to scores of other people. This took place on March 21, 2012. First a "VA Representative" shows up without cell phone and having to use mine; said VA highly recommends; I have to make the decision TODAY, said it was a fixed rate at the beginning on the phone to get their foot in my door after I said I will not entertain anything but a fixed rate; ask for (almost demanding) a check, or to put $1672.00 on my credit card immediately to reserve. They started the process of refinancing without my agreement to refinance, etc. I had to make the decision today. Oh, there was so much more crazy stuff that went on. This is one crazy organization. The federal and state governments need to look into. I have an email in to the Veterans Administration to see if they are as valid as they say. They talk as if they are the VA.