I bought my house a year ago and got what I thought was a pretty good rate (6.875). In July I was looking at rates and decided to explore a refi. I contacted my current lender, and my original loan officer (My loan was sold shortly after I closed). Both of them were coming in around a 6.625%, and the company wanted me to go back to my original loan balance to take care of the costs.

I looked on www.bankrate.com to find others.I called about six other loan companies and pretty much got the same story.

With priceline I was able to get a 6.375% rate. I actually could have received a rate of 6.125%, but I decided to sacrifice some of my rate to take care of the closing costs.

All in all I was getting a better rate with very little out of pocket money.


I closed almost 1 month to the day after I initially filled out the application.

Customer service was excellent. All my calls were returned the same day. I received e-mails through every step of the transaction.

I told everybody I work with, but I think they were afraid to to it on the internet. Most of them refi'd at 6.625.

Fools.

Don't be afraid.

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