On the behalf of Dave Ramsey, I will never come to this Chase branch again. Came in to see about refinancing options and I was a couple thousand dollars gapped too far to be able to refinance. The person helping me said "well if you need more money, you can always pull it from your 401K". I think the look I gave him said everything. That was the worst advice I have ever heard a banker give someone. So paying 25-35% tax is okay for these people?? Can't trust this branch again...