We re-fi'd with E-Loan a few years back and saved a bundle on interest and closing costs. Communication was both electronic and verbal, and never an issue. And as was said earlier, they sold it within a month - to Wells Fargo which has several branches in our area, including a mortgage-specific office (which, ironically, doesn't take payments at the office - go figure).

I'd go through them again.

Scott

My HT