I choose better bank - almost by accident as I had tried other traditional brick and motor banks: Wells Fargo - Navy Federal - USAA & couple Small town banks in Rochester: but was told they would not be able to complete the refinance as the quickest they could turn around date would be: 120 - 180 days out because they were extremely backed up due to so many people trying to refinance due to low interest rates. Or i did not choose because there process was slow and archaic as they used paper and wanted to mail everything. Thus I randomly googled looking for a quicker option and found the reviews on BETTER - it was imperative that I close in a month because I’m in the military and would be getting deployed soon - all in all from the first contact email to close took about a 37 days and would have went faster if it was not due to a delay on my part Communication and customer service and speed was impressive - within one day: an appraisal was ordered and sent to my house - mind you I was all the way in San Diego, CA (navy training) - Better (in NYC) my house to refinance (Rochester, NY) - so time zones & communication not a problem I had heard other people saying that usually takes almost 3 weeks for the appraisal & and tack on additional 4 weeks for title -- all of was not the case with BETTER- even them sending a Notary to close in San Diego was easy I really like how you can track the loan progression it makes you feel like you are part of the process and that you can see everything that is going on I know my loan team by heart because they were very helpful Michael DaCruz Loan Consultant NMLS ID 1886187 - did an awesome JOB helping me navigate and inform me of different options Kelsey Cronin Processing Expert NMLS ID 1924501 - was very knowledgeable and brilliantly organized .. helped when i reached a roadblock to help overcome Leia Slosberg Closing Expert - helped with last minute details and the end results Only thing I wish they had was an App and that they did VA Loans