On March 26, 2009 we applied for a refinancing loan with Chase our current mortgage company. Our credit score is 800. We submitted all the documents the loan officer requested the next day. We were preapproved for a 4.873%interest rate on $567, 000 loan. We currently pay $300-$400 extra every month towards the principal since we bought the house 4 yrs ago. We never missed a payment. I had to give them a check for $ 750 and they would lock in the rate for 60 days. He (Mac-loan officer) did say that if the bank delayed the process then the rate... read full review »