Mltnfriedman says: I used Seth to purchase my home and he called me promptly after one year to refinance. We started the process but I decided not to continue. Once I decided to pull back, Seth became very aggressive and I was inundated with phone calls not only from him but also from the title agent as well. I felt pressured to continue with a refinance when I wanted to hold off. If you do use Seth, make sure to shop around and hold your ground.