We refinanced to pay off our home loan in half the time and, in the end, because of GMAC's disturbing and unprincipled behavior, we actually went to a lot of trouble to change from GMAC (our former mortgage-holder) to a different company.  GMAC sold our information to fly-by-night mortgage companies, who then called us at home and spoke abusively and harrassed us, even though we are on the Do Not Call list.  These shady harrassers directly admitted that they had bought our names and contact information from GMAC, who appear to have sold it to them because we'd originally approached GMAC to see what they had to offer us in the way of refinancing servces but didn't immediately call GMAC back (their idea being, I assume, that the only financial value we then had to GMAC was as people who might still be looking for a mortgage).  I shudder to think that we ever trusted our finances and home to these shady, uncaring moneylenders.  We also easily found another mortgage company whose representatives were personable, clear, responsive, and professional.  They offered us a much better deal than GMAC and closed very, very quickly.  In fact they went out of their way to close quickly for us.  To avoid appearing to attack GMAC in order to promote the other lender, I'll refrain from naming the other lender here.  I've reviewed them very favorably elsewhere.  At any rate, AVOID these greedy, unethical lenders known as GMAC. 

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