I recently completed a refinance from a 30 yr fixed to a 15 yr fixed mortgage. I was able to obtain a quote, complete the application process, submit my documentation and obtain approval within 30 days, and all of it via e-mail and secure internet portals. I never actually had to speak with anyone other than the appraiser who came to my home early in the process, and the notary who came to my home to complete the closing documents. It was amazingly painless and my interest rate is 2% lower. As a result, I highly recommend Residential Funding Group, Inc. I also did not previously know that the compensation paid to mortgage brokers is regulated, whereas the big banks can charge consumers whatever we agree to pay. My advice to all consumers seeking a mortgage, new or refinanced, is to always use a broker. The broker is motivated to win your business by searching out lenders who provide the best rates. Brokers succeed by giving consumers a better deal at a lower cost, thus generating referrals. My big bank lender was unable to compete.