Quicken Loans Review

Wanted to refi down to a low fixed rate, and roll in a HE loan balance also.  Got a great 4.25% 10yr fixed, 0.25 points (the 'no points' loans require you to have escrow for taxes & insurance).  Melanie M. was very professional, assured us we'd get a 0.125 rebate back on this at closing, and we did.  Whole process took about 3 weeks.  All the loan docs are online, easy to review.  You can sign those electronically, and upload any required docs (paystubs, account statements for asset verification, etc.), so much easier than faxing all that back & forth.  A few clerical error in docs but got those cleared up pretty quickly.  Was a bit skeptical that we would close on schedule all worked out OK.  Some of the fees were probably a bit high (appraisal, title insurance, ...); you can shop around on those, but is it worth the hassle when you're after a quick refi and don't want to loose your rate lock.  Mobile notary comes to your house for final loan doc signing.  If you have excellent credit and are a 'clean' customer, you'll get a better rate & better service with Quicken than going directly to the banks.  Our loan will sell to a big-box bank (fine, we knew that upfront), but the banks don't offer this 4.25 rate to end customers.