 Why Refi is not licensed by the California Department of Financial Protection and Innovation. Why Refi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states. Hey guys, it's Rachel Cruz, here to tell you about a faith-based alternative to health insurance, Christian Healthcare Ministries. CHM allows members to share each other's healthcare costs, and it's as easy as 1-2-3. Step 1, choose the healthcare provider you want.