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 WEEKS trying to get them all the paperwork that they asked for over and over. They called our inlaws with questions. Numerous 3 way calls with people. Up until 5 hours before we were supposed to call they were still trying to get information that should of been collected way before this time. We have a better interest rate, but after all the trouble and time we put into trying to get this done, we will NEVER go back to them. Too much hassle. Should of just went to our local bank!! Live and learn...