Had a very difficult time closing on my refinance deal. Between Mortgage NOW and the title company they use to service the loan, we had problems from day one! Unnecessary redundant paperwork filings and previous loan payoff verifications, very poor communication and I'm STILL waiting for my appraisal report! We closed in Mid December, and my appraisal report was due 3 days after. I was getting harassing calls from my previous mortgage holder due to unpaid bills which were supposed to be handled by Mortgage NOW. No follow up service and not even a return call as of today! Very unsatisfied!