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I recently refinanced my house with CMS within 30 days. The interest rate was competitive (my former lender could not match & did not want to match their rate) so I took a chance on virtual refinance. Rosanna Meletis processed the loan and was fast, efficient and accurate. The Loan Orgiinator Rich Nappi answered all my questions and quoted the closing fees fairly accurately. My advice, as with any closing, always read the paperwork thoroughly to ensure accuracy (especially when processing a refinance on-line) & ask lots of questions. There were a few items that needed correction but it was corrected in a responsive manner by CMS. I would recommend them.More Less