refinancing mortgage

 
  Does anybody have anything good to say about any refinancing institutions?   We just received our "Closing documents" and surprise what's in the document and what been in the 5 last packets we've received from them don't match (Not in our favor!)
  Needless to say we're not happy and searching for a new company.  Wife has read reviews of our current company (Capital one  )we thought was good,turns out their not! Their just as bad as BofA the schiesters- were trying to get out from under!
  Can anyone recommend  a mortgage company they didn't have grief dealing with? And trust, and had an easy refinancing with?

My credit union (patelco) always beat big banks when it comes to rates. I've gone twice already with them. Go for 15 years if you can.

I've been pretty happy with the online lenders that I use.

If you're so far along that you received closing documents (rather than a GFE or whatever they're called now), you would probably be out some fees if you back out now.  What are the differences in the closing docs compared to previous?  Some items are allowed to change, others are not.

Kat Whitman (http://www.whitmanmet.com/) did our refinance. She was patient, helpful and on top of everything through the whole process. The rate was good enough that our previous loan broker couldn't get close to it and claimed it was too good to be true and might be a scam. We completed everything online and over the phone. No surprises.

I've never gotten good rates or fees at the big banks.  Try a local credit union, I've personally had good experience with https://www.boxhomeloans.com/todays-rates/.

Also http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid=788032&start=0 has a lot of good information on comparable lenders.

 Capital One is operated by the biggest bunch of thieves  in the industry... Anybody but.

  Go to a local mortgage lender.   They have programs that shouldn't cost anything out of pocket with a slightly higher APR.

I've had good service from Dick Lepre   http://www.loanmine.com/Home

We've done three refinances through him, everything on line and by phone,  and his service has always been first rate.  An honest man who will get you the best rate and keep you on top of the process.

There is a guy in Stockton, he runs his mobile mortgage company our of a van. To keep costs down, he sells fresh seafood too. Fill out all the papers, pay the non-refundable deposit, and in two weeks, half the interest you currently have! I will see if I can get a flyer.

Www.Sindeo.com
 I work for this company and they are customer service based and will find the best product for you and your families situation. They also take the time to educate you about the process. Let me know if you want a direct number for more info.

Call me, I am a Realtor for 25 years and I have been using Kevin Rahill for over 23 years cause he is an honest person and won't rip you off.
Luis 707 333 1918
[email protected] or [email protected]

I would like to see your estimate and see if it is fair or not. 

Bill Anderson at Golden State Mortgage,Inc 916 716 6100 He does FHA and VA loans as well as Conventional and Jumbo. Very straight forward and honest. He is a Veteran and  knows all about VA loans for those of you that are Veterans.