I re-financed out of a desire to get some cash-back for some other investments and also to take advantage of the lower rates.  In the process we had to make several changes in order to accommodate what I was wanting.  I can commend the team for their hard work and effort to see that things were done effeciently. On the other hand they made some promised that I knew would be very difficult to keep (time-tables), and indeed they did not keep.  I felt a few times like I was dealing with a used-car salesman.  It almost caused me to bolt a few times.  I have used Quicken twice and both times have been an overall positive experience, but the second round was not quite as good as the first.  The pressure from the dropping market values and the added requirements seemed to get them a little out of their comfort zone.  Overall I would still highly recommend the service and commend them for their professionalism.  My only other option that I would consider next time is to review other sites offering similar services.  Since I had used Quicken before I just did it again.  There may be other sites that could effectively compete, but I don't know.  My final rate was 3.99% - which I was happy with.  My initial intent was to end up with cash back for investment purposes, but the lower home value made me focus more on the percentage rate. 

Recommended: Yes