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I had gone to a few refinancing sites and filled out their forms to get a call back from a rep for their company. Less than 8 hours later I got a call from Quicken Loans. The other companies called over the next 2 weeks and none could match the rates that Quicken Loans was able to. Quicken Loans had arranged the appraisal less than 3 days later and had our paperwork off to the underwriters by the week's end. About 3 weeks later, we were signing the closing on our refinance. WOW! These guys were on top of their game! Plus, any questions I had were promptly answered and their online site is top-notch! The only caveat is that Quicken Loans sold my mortgage to another lender before our first payment, so we now have to deal with another lender which has some big shoes to fill, but I do not anticipate any problems at this time.