Where to begin? We were doing a refinance on our home. We, too, lost our 4.875 through no fault of our own, without warning, and were given a 5.25, take it or leave it. Long story as to the internal complications which they finally revealed. We moved forward, but with ongoing extensive delays and change in staffing, with many people being fired and replaced, having to start from scratch with underwriting. Even after signing, just before we were supposed to fund, they required further documentation on a matter, which should have come up month... read full review »