Hart West Financial Review

My wife and I used HartWest.com for a re-fi of our Colorado Springs home in January 2009 and found their staff to be friendly and responsive through-out.  I particularly appreciated the fact that they regularly (possibly even daily?) post their rate sheet on-line so that it's easy to comparison shop.  I think they meet all of the criteria for the UpFront Mortgage Broker accreditation initiated by mtgprofessor.com but they definitely were up front and transparent, in my humble opinion (even re-issuing the good faith estimate to show exact numbers when we decided to increase the loan amount to cover some closing costs.)

The lone "con" I can think of is that (unless you're in the Phoenix area) you'll be working with them remotely via email so you have to find the title company on your own.  This didn't bother me at all because I've been through the loan closing process a few times and actually appreciated the ability to shop-and-compare title insurance prices and closing fees, etc.