I haven't closed yet, but I went with Amerisave based on their rates and fees which I found very competitive. Things have e gone smoothly so far and just waiting for a subordination agreement from my HELOC provider then we should close the deal. The ease of use has been nice as email and electronic documentation have been convenient. I'll update this review after closing takes place. So far so good. I checked other online providers and a few local mortgage companies and found the rates and fees that Amerisave offers to be the best deal for me. It can be difficult to compare mortgages, but it can be done and you should work to pay the least fees for the best rate. I am refinancing a 30 year mortgage to take advantage of the low rates available. I've been on the fence to refinance but the 4.125 rate was very convincing. I should note that Amerisave is offering $5-25 off at closing for writing reviews and this did help motivate me to review them, but the review is based on my experience with the thus far. In the past I went through Aim Loan and I do not recommend using them. I walked away from $500 to get out of the deal with them as I felt they stalled then wanted more money to extend. I said no thanks and took my business elsewhere.