CountryWide Offers Refi 80% LTV NO Seasonings

[Nathan Cao]

I just talked to a mortgage rep in Illinois about their refi program and he told me he can do 80% LTV appraised value with no seasonings. I got in touch with him through yahoo 1 800 number.
I called my local Countrywide banks and they have nothing like this. I'm kind of confused. The mortgage officer in Illinois sounded legit and he sent me all his infos via email.

I have 790 FICO Full Doc.

I bought the house with cash and will close in a couple of weeks. I plan to rent it out and refi.

Has anyone dealt with Countrywide lately or know about their refi policy? It it typicall that different locations of the same bank have different refi policies?

Thanks

-Nathan