Refinance.com

Pros: Great customer service, fast correspondence and loan offices always available - works long hours
Cons: I'd love to bring lunch and him meet my girls but hes so far away!

“I would like to thank Refinance.com for all their hard work and dedication towards my refinance. Seldom do you run across a company who truly cares and works so hard for you. I was most impressed at how Mr. Welsome, whom is truly one of the ...

Pros: fast, friendly, professional, determined, honest, prompt, does what they say,
Cons: To far away for me to take them out to dinner as appreciation.

I was told by Ditech and many other mortgage “specialists” that there is no way to refinance and that I had better just plan on selling because my situation was so bad. Needless to say my own hope was running out, fast. I was caught in an ARM that was ...

Pros: Fast - Easy - Helpful - and very friendly
Cons: None

I had an ARM that would be going up in the next few months, my wife had been laid off and I was working 80 plus hours a week to pay for everything. I received and email one day about refinancing with Refinance.Com from my mortgage company. I decided to ...

Pros: Great Service
Cons: None

Hello Joe! I don't know where to begin, but let me first start off with saying THANK YOU! You are my Angel! When I first called Refinance.com I honestly thought that you guys were going to tell me stuff that I wanted to hear, run my credit, and tell ...

Pros: they do everything possible to get the loan that is best for your circumstances
Cons: not dealing face to face

At first dealing with a finance company on-line, I was concerned about dealing with a company without working with them face to face. But, to my surprise it was one of the easiest financing I have every done. I would recommend Refinance.com to ...

Pros: Caring, HONEST, Competent, Quick, THOROUGH, HUMBLE TOO!!
Cons: Wish we met face2face.Sd"thank you"100x,didn't think we were truly expressing what facial expressions&eyes would've!

The remedy to a THIEVING 8.0% interest rate from Commerce Bank is Refinance.com & the extremely helpful & caring Gary Ayer! For our first mortgage: We had been repeatedly lied to & delayed by Commerce Bank this past summer, who after THREE months of ...

Pros: Prompt and Professional service
Cons: None

I highly recommend working with Refinance.com. I am particularly pleased with the professionalism and diligence of Jay Chrisitano, loan officer and Kim Melkum for preparation of the loan documents. Prior to working with them, I was stuck in an ...

Pros: Seven day closing,Rodd,David,Always someone there never the run around.The things i already wrote above.
Cons: wanted to be in the 5 intrest rate but it was not possiable.

I was going to use Allied mortgage.They had called me and offered me a deal I could not refuse, believe me if it sounds to good to be true it is.After they had me hooked they where no where to be found.intill I spoke with Rodd from refinance.He was very ...

Pros: 15 words are not enough. Honorable, respectful, fast, professional, honest, responsive, a friend was made.
Cons: I didnt know about them sooner

I started my mission on a Wednsday, I went through the typical process of entering my info on the net and waited to here back from lenders that would offer me a rate and commitment that would make my effort worth it. I received the typical "for a fee, ...

Pros: Professional, personable, easy to work with, quick responses to phone calls & emails and funny
Cons: I couldn't find anything negative about my experience!

I have been the sole supporter for my family for the past 10 years. When it came time to refinance my house, I looked around for at least three months and was told the same thing over and over again - Yes we can help you. Every one that said this came ...

Pros: Fast service, kind and professional staff.
Cons: No face to face contact

Refinance.com, where dreams do come true! I have never had such a pleasant experience dealing with anyone in the mortgage industry. Tom P., your the man! I searched high and low for any mortgage lender to help us get out of our 12% ARM. Not even the bank ...

Pros: QUICK SETTLEMENT, REDUCED INTEREST RATE
Cons: CONSULTANTS WAS NOT UP FRONT WITH ALL INFORMATION.

I HAD A 10.35% ARM, BAD CREDIT AND NEEDED TO GET OUT. I CALLED REFINANCE.COM AND WITHIN A VERY SHORT TIME, WAS INFORMED THAT I WAS APPROVED AT A 6.5% RATE. LESS THAN 24 HOURS LATER, THE RATE JUMPED TO 7.25%. NO BIGGIE. AN APPRAISER WAS SENT TO LOOK ...

Pros: Quick, honest, reliable and excellent customer service, and informs customer of all possible scenarios.
Cons: Not aware of any cons. Positive experience.

Many thanks to Alex Olivero for his initial email contact and then to Paul LaRegina who's customer service and knowledge is second to none! Our refi closed within one week and dealing with Paul LaRegina was an absolute pleasure. We would definitely recommend this company to all interested in refinancing. Their service, dependability and customer service is excellent. THANK YOU ALEX AND PAUL!

We would definitely use refinance.com in the future if needed. We went from a dangerously adjusting ARM to a fixed 30-year. Painlessly.

Dragging out the paperwork and providing information is not always fun to do, but we were able to do it quickly and all went well.

Richard & Elaine Kokawski

Pros: Timely, EASY, convenient... I could go on.
Cons: they aren't firsthomeloan.com also (that would have been nice when I first bought my house!)

At first I was a skeptic. I thought working with someone so far away would make the process more trouble for me. On the contrary, I found it was easier to deal with them via email and the phone, rather than having to drive to an office after work. I could call when it was convenient for me. James Gagnon was awesome and so patient. I can't tell you how much I appreciated that. And how attentive he was to me and my loan process helped to blur the line between New York and Washington State. He took into consideration all my wants and needs and the time line I wanted it all done in and managed to make it happen, despite MY delays. He was able to get me the loan I wanted when others couldn't make it happen. Not even my own sister who is a loan officer for a bank could get me a better deal, or even match this one! I was about to be in a world of hurt financially, but thanks to James Gagnon and his team I am in a much better situation. Thanks James!

Pros: Quick constant communication and In home closing
Cons: No face to face....little time to review paperwork prior to closing.

My credit score is terrible and refinance.com was able to take me from an 10.875% loan to a 6.5% loan saving me over $400 a month in interest costs. From the day I contacted refinance.com until the day I closed which was 10 days, Alan kept in close contact with me at all times including after hours when he was home to ensure everything was done quickly and efficiently with no out of pocket expenses. I sincerely appreciate everything refinance.com did for me and my wife and would highly recommend them to and especially Alan to everybody.

Pros: They worked to get me the best rate possible. Everything moved very fast.
Cons: That I did not get to meet Jay and thank him for all his help.

Working with Jay Christiano was a wonderful experience. After loosing my husband the end of 06 I was dreading the time that I would have to refinance my house. I was in a loan that was going up and up and needed a way out. After my neighbor told me about Refinance.com I decided to give them a try. From the first moment that I talked to Jay he made me feel very at ease about the entire process. I was surprised how quickly things began moving from my first phone call. I have told everyone about my experience with Jay and his team at Refinance.com. Thanks again Jay for everything yall did for me.

Pros: Very fast, gave honest answers to my questions, competitive rates.
Cons: None

I wanted to refinanced my mortgage in order to increase my disposable income. Jay Christiano of Refinance.com, helped me through the complex process of refinancing my home. He did this much faster than I thought possible. In just a few days he had enabled me to pay off all my outstanding debts by consolidating them into one new mortgage. The best part is that because of clearing up all my debt into one new mortgage, I was able to fully retire. I no longer need a job to fill the gap between my Social Security income and my expenses. Thank you Jay Christiano and Refinance.com.

Pros: excellent follow up,honest and efficient
Cons: none

We were in a arm. refinance came to our rescue. We had some issues we needed to clean up,but refinance.com helped us and stood by us and followed through.Thanks again to Joe Souza what a wonderful and caring person he is.We have recommended him to many friends.We rat you a 10. thanks David and Debbie Cash

Pros: Easily accessible, concerned loan officers and underwriters.
Cons: Not a local company

I wasn't prepared to refinance when I did, because I didn't think it was possible, considering my finances and credit. Jason Morano of Refinance.com not only encouraged and helped me throughout the process, but personally 'bent-over-backwards to see things got done! Everyone I worked with was helpful and truly concerned with the whole process. I have already begun to refer my friends for a easy refinance that may lower their current mortgage!

Pros: easy to work with, very little red tape.
Cons: none

I could not be more pleased from the service I received from Ryan Brandle at Refinance.com! I was stuck in an ARM with a rate over 11%. I tried other companies who essentially told me I was stuck and they could not help. Ryan listened to what my goals were, and I felt like he was an advocate for me in getting my payment as low as possible. I am now saving $600 a month!!! My experience was by far the most painless experience I have ever had with a mortgage company. Thank you Ryan!!

Pros: Speedy closing; friendly, honest service
Cons: Would like to meet the team in person, but Syosset is too far away!

Jay from the Syosset office was wonderful! When I locked-in a refinance on Monday evening, he said that we'd be closing within the week, and he was right on! We closed in our own home on Friday evening of that same week, in less than an hour. It was so nice to be able to get this done and out of the way and behind us. Jay and his team were very helpful and I am amazed that we were able to get this done so quickly!

Pros: Great rates, friendly, professional and efficient.
Cons: None

My dealings with Refinance.com were very easy and professional. I was actually getting quotes and dealing with 3 on line companies and Refinance.com turned out to be the best of the three. Kevin Welsome and his manager Mike Braunstein were very professional and easy to deal with. The whole process right up to the closing at my house took just 6 business days start to finish. The appraisal company that they use are also very professional and easy to deal with.
I would highly recommend Refinance.com

Pros: The feeling of pride as a home owner and the reinsurance of keeping that home.
Cons: Not being able to take them out for a drink. Earned by both sides.

We have been told by many other companies that we would never be able to refinance. Yes, it was a very hard, long road for us, but Refinance.com and Wells Smith were our tour guides and helped us every step of the way. Even when we were close to giving up the gave us the confidence to continue. They were in contact with us everyday to see how we were doing and what they could do to help. If you feel it can't be done you have not spoken to Refinance.com yet. Special thanks to Wells with all the phone calls and E-mails guiding us to what was needed to be done and how we can do it.

Pros: Fast, knowledgeable, efficient, flexible, courteous
Cons: Honestly can't think of any! Well done!

Most efficient home refinancing experience we have had, of many over the years. From initial contact to closing: less than 4 days (Monday afternoon to Thursday evening). From closing to funding: less than a week.
Closing occurred in the evening in our home -- no need to take off from work or meet in some attorney's office.
They were willing to work with us on closing costs, as well.

Pros: Honest, professional, and supportive is what Refinance.com is. I recommend them highly and professionally.
Cons: Some of the processing was tedious, but ultimately got straighted out.

I was in debt up to my eyeballs. I had never even considered refinancing as I didn't think I was eligible. Riding in my car to Queens, NY, I heard the commercial for refinance.com. I called on my cell phone immediately.

I had nothing but time that day. Hesitant to call - I gave my info and within one week I am debt free and feeling no more anxiety about my bills. They were honest, and considered each option for my situation.

I would recommend them highly.

Pros: Experts
Cons: None.

My situation was dire. I had given up on a refinancing when I called them and they saved me!! Everyone I dealt with was great. Special thanks to Jason Murano, Alison frank, and Missy too!! I am soo satisfied with the product I have and I got just what I wanted!!

Pros: Fast, efficient, reliable, trustworthy the list goes on...
Cons: Can't think of any.

We had an excellent experience with Refinance.com. The service was fast, friendly, and reliable.
Jeremy went the extra mile to make sure we got the loan we needed and worked very hard to earn our trust, which wasn't easy - we were skeptical at first, but Jeremy delivered what he promised and then some. Even though you don't ever meet face to face, their availability makes up for it, they are VERY accommodating.
We highly recommend Refinance.com and Jeremy Hines. We can't say enough about them.
Thank you, Thank you, Thank you!!!!

Pros: Satisfied with everything.
Cons: None in our opinion

We cant say enough about our great experience with our loan officer Michael Laudisio at refinance.com. He was very informative and always kept in good touch with us, several times a day. Whereas, in the past with other loan officers, with other refinancing companies, we would either never here back or were not able to help us as much as he did. We would defiantly recommend refinance.com. We are very happy and satisfied to be out of the whole we were digging with our previous loan.
Thank you so much!

Pros: Fast, easy, professional service with fantastic results!
Cons: I would like to meet everyone in person. It felt awkward doing everything online.

I was very nervous at first working with someone online. But everyone I dealt with made me feel quite at ease and assured me that everything would be fine. My refinance loan agent, John Raffaele, was more than helpful doing everything he could to get me the best possible rate. It was easy getting all of the loan documentation together with the support of Kim Melkum and all of her emails! You both walked me through the entire scary process and I cannot Thank You enough! Although it was completed through faxes, emails and phone calls it certainly felt like service with a smile! This was definitely a successful process!

Pros: Would urge everyone who is on an adjustable rate mortgage to call Refinance.com!
Cons: NOTHING!!!!!

I would recommend Refinance.com and ask for Jay Christiano!!! We were on an adjustable rate mortgage with no relief in sight. My husband heard the commercial for Refinance.com on the radio and called them. Within less than 2 weeks, we were approved for a FIXED rate mortgage!!!! I would urge anyone who is in a similar situation to try Refinance.com and see if Jay can work a "miracle" for you as well!!!! Thank you Refinance.com and thank you Jay Christiano!!!!!!

Pros: Pros at what they do. Saved big dollars in little time.
Cons: No problems at all

I recently refinanced my home after a divorce and was fortunate enough to find Refinance.com to help me in a trying time in my life. Anthony G. and his manager Omar were not only courteous in their answering of my questions but they delivered on their promise of a trouble free closing. Both Anthony and Omar exceeded my expectations with regard to truthfulness and timeleyness! It was a delight to deal with such professional men in a time where it seemed nothing could go my way. Thanks guys for a fast, proffesional, and smooth transition into my new loan. Not to mention I saved $600.00 a month!

Cudos to both of you. You are a credit to your company!

Pros: Ryan was extremely helpful, understanding, and funny.
Cons: Wish he was closer so I could thank him face to face.

I would like to thank all at refinance.com. From Big Johny Waz, Meagan, Miss Dee. And of course Ryan. I was stuck in an ARM that was going up, and soon to be divorced. Two other Brokers, one of which I got the Arm through, and the other from the bank that held the loan, told me no chance. But Ryan listened, he told me he could lower my payment by 300. And, from what I hear, with some help, he did just that. I went from a possible foreclosure to salvation. I couldn't be happier. I didn't understand why the man who knew me and worked with me wouldn't help. But a stranger from across the country bent over backwards to make this happen. And I have to admit working with someone over the phone made me edgy. But Ryan worked hard to alleviate that.

Thanks to you and all your staff.

Amazed

Pros: Extremely professional and courteous.
Cons: Wish they were local so I could take him to lunch!

Joseph G. was my loan officer and all I can say is WOW! I originally closed with Refinance.com and rescinded the transaction because my current bank got "wind" of losing the loan. So when they came in at a cheaper rate as a business rule I go where I can save money. Hence, they "dilly dallied" with the loan closing process and hadn't closed on the loan "WHICH THEY ALREADY HELD" and gave me the run around which ended up costing me another $2,000. I knew that I wouldn't close on the loan by the end of this month. I emailed Joseph G. and he closed the loan in 2 days without all the hassle. All I can say again is WOW! Bottom line is that the loan officers are likened to a well oiled machine. Reminds me of the Lakers with Magic Johnson running the point!

Pros: Very fast and quick in all aspects of the loan process.
Cons: Very little time to review other options, due to fast delivery.

Didn't know that a company such as this exist, it made my INTEREST ONLY LOAN to a 30YR. FIXED RATE in a matter of 5 working days. That's fast for a loan approval including closing. And the manner they handled my case was with a personal touch, they find the loan that suits my financial situation and treated me like I knew them for a long time. Thanks a lot REFINANCE.COM you've made my day. Special thanks to MR. JAY CHRISTIANO for making everything easy and fast.

Pros: fast service. straight to the point.saved thousands!
Cons: none

I have been trying for a month to get someone to help me refinance my upside down loan. I had two mortgages on my home and an adjustable rate loan that was going to sink my ability to pay when the rate jumped up. Everyone I talked to said my credit score was too low, they couldn't help me.
Then I heard an ad for refinance.com and decided I had only "my house to lose" so why not!
My loan officer was Jay Christiano and My God what a life saver! Not only was he able to refinance my loan but he saved me 3.75% interest ! And its a fixed 30 year rate!!
Jay was fast- closing the loan in only 7 days. Jay also went over line by line what I could use towards my next years taxes. That in itself was very helpful and unexpected.
Jay Christiano took the time to explain the entire loan package so there was a comfort and understanding of the loan that I didn't have with my previous loan company.
Thanks again Jay for keeping me and My family in our home!!
Gregg Small

Pros: Professional, informative, caring, funny, prompt, polite
Cons: Nothing negative all positive

I am very pleased with Tom and how hard he worked on my loan. When I called with questions I got an immediate response, no playing phone tag. He explained everything to me from beginning to end. He is professional and actually cares if you are comfortable with the loan you are getting. I was surprised at how fast the loan went through. I sent in my documents on Tuesday and closed on Friday. Tom developed a rapport with me that made me feel at ease and confident that my loan was going to go through smoothly. I really appreciated him telling me everything upfront and not just telling me what I wanted to hear. Refinance.com thank you for having a great mortgage consultant like Tom.

Pros: FAST, HONEST, LOYAL, FRIENDLY,
Cons: No cons . Nothing bad to say.

When I went on to Refiance.com, I was call with in 3 mins after hitting the send. Kevin Sulz made me feel like I was a friend . He was always straight up with me . He told me what he needed and I sent it . He said 6 days at the most and he was right on the money . I will say this he needs a raise. Kevin is a very hard worker and always returned my calls and emails. I just want to say if there were more caring people in the world like Kevin more people would be able to keep there homes. A BIG THANKS GOES TO KEVIN SULZ

Pros: Upfront, honest, understanding, speedy, many locations.
Cons: Can't think of ONE.

When I called Refinance.com I thought they were going to be like all the others and turn me down, but I still tried to remain hopeful because of their commercial. I explained my situation to the loan specialist (Tom P.) and he was very helpful and understanding. Even though my situation was bleak, he gave it his all to try and help me. Never at any time did he give me false hope like the others had. He was upfront and honest and did everything he could to help me. Once my loan cleared I was able to close the next day! This loan experience has been the best I've ever had. No words can truly express what Refinance.com has done for me. Because of them I am able to keep my house. They truly are a company with heart!

Pros: Very positive experience, good service, and quick closing.
Cons: There are no cons.

Great professional service from start with Howard Parnes to finish with Jay Christiano. Thank you for all your help.Look forward to doing future business with Refinance.com.

Pros: Professional, fast response , not pushy, a people company
Cons: Person used for closing no knowledge, had double check documents suppose to be duplicates.

After calling MANY companies to refinance my home, Matt Goldsmith & Joe Souza @ Refinance.com -were very helpful, professional, answered ALL my questions & was never pushy.
They explained everything in terms I could understand.
Even the day of closing I had some questions, Joe took my call & got my answers.
One flaw the company needs to work on are the papers to be signed at closing, many duplicates but some had DIFFERENT information.
I have & will continue to recommended Refinance.com to people. It is important, especially in today's world, for companies who take the time for you & treat you like a person.

Pros: Working at home & on line/phone is easier to gather what is needed.
Cons: I like the personal touch. dot com is a new concept.

I had not so good credit and an ARM mortgage. Luis Gonzales worked threw all the difficulties getting a fixed competitive rate and away to move forward. Retirement for me is not far and with this new mortgage we are able to gain a little equity other wise lost due to the former ARM setup. Only the future will determine the outcome but with Luis's patience and determination there is now a better path. I am looking forward to do business in the future. The plan is to build our final home in Arizona in less then five years. Working with Refinance.com to make this possible is hopeful.

Pros: i was treated with respect and honesty.
Cons: i wish that i had found them sooner

Dear Robert,

I am trying to find the right words to thank you for all that you have done to help me put my life back together. I am not exaggerating when I say that I truly did not know where to turn when I found myself buried in bills and out of work due to my health. I know that I will never forget all you have done for me. In addition to helping me get back on track, you have given back some of the faith that I lost in people in general. It seems that I had gotten to a place where I could not trust anyone anymore and that is not who I want to be or who I am now.

You are a good person, Robert, and I know that “thank you” is not enough, but believe me it comes from the bottom of my heart.

I wish you a Happy Healthy New Year and I hope that we will stay in touch because I value the friendship that we have.

Sincerely yours,



Marie

Pros: Simple info gathering, spoke to person immediately on phone and told info would be shredded.
Cons: Specified state twice before filling out info and then being informed they don't do Georgia.

I can only say that their web site could use some improvement by eliminating those states in which they aren't licensed or aren't processing loans from the list so you don't have to waste your time filling in all of your current loan and contact info.

Pros: Good rates, quick initiation of verbal contact upon recieving information,offered variety of financing options
Cons: Poor customer service, lack of professionalism, lack of good communication.Poor experience working with Anthony G.

Dealt with this company via lowermybills.com. Quick to initiate contact, however, did not follow up calls/emails/fax in a timely manner. Was not notified when appraisel time was changed. Overall service with Anthony G. was not pleasent. Despite poor service, offered good rates and financing options. However, felt that these rates could be obtained from another lender.