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...