I started the process of looking to refinance my loan without ever refinancing before. I started by calling a few brokers and also called a couple of the large banks as well thinking I would get a good deal by getting my loan direct and not going through a broker. I reviewed about three Good Faith Estimates including the one from Henry Warren. Henry's fees where more competitive then any other bank or broker that I looked at and was also easy to with and answered all of my questions. My goal was lower my rate and improve my payment since like many folks my salary was hit with the downturn in the economy. I closed my loan a month and everything went smooth. I would highly recommend working with Henry, he is straight forward, honest, and has relationships with banks to find the right product and rate that will work for you.