 Contact Y-Refi at 844-2-RAMSI or go to Y-Refi.com slash Ramsey. That's 844-2-RAMSI or the letter Y, then R-E-F-Y.com. The Brian Kilmeade Show, 9 a.m. weekdays on WCHV. Financial protection and innovation. Y-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. When the government kicks sand in your face, we're the folks that can help you stand up to them.