We just closed on our refinance last night. The whole process was a fiasco. We started this on July 8th and finished on August 19, at 10:00 p.m. We had nothing but broken promises and lies. Phone calls not returned, emails not returned. Closing costs started off at $5000.00, ended up being $7800.00 We were quoted at 5.375% rate, then it went to 6.5%. Hubby called and told them to screw it. They called back with6.0%. We took it. After having our credit ran numerous times and such, our credit score was down (approx 60 points) and we had spent... read full review »