<prompt> Human: My friend and her family is having one of her friend help her do a refinanceno cost on their home. Shes hoping her friend can get her a really good rate. However, when she asked her about the rate, the friend said that wasnt important and what was important was being able to consolidate all their loans. Is this true? I find the friend a little sketchy too. Hes doing this on the side so he can make more money instead of the money going to his boss. Btw, who does he make the money from?  <response>: Tell her to run. Consolidating loans is not always the best thing to do - and in refinancing, the rate is everything. If her friend wont be completely transparent, then its a scam. 