Can I really use an automated process as the on-line finance companies seem to be?I am 66 yrs old, single & retired. I have assets of almost $2 mil, income of around $110k and an 800 credit rating. I am wanting to refi my home of 22 yrs wrapping in my home equity line. I have 20+% equity in my $240k home. But my income is from 3 commercial properties I own, 2 billboards, Soc Sec and stock. My home is in a very mixed city neighborhood and requires an in-home appraisal. This all means my situation is not a cookie cutter process. Can I use an on-line finance company or do I need to stick to a local face-to-face institution? On-line has better rates. September 12 2013 - Indianapolis00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.