SHORT: These guys are AWESOME! Fastest and smoothest Refi we've ever done! (our 4th refi in 18yrs) We knew they were a good company when they honored a mistakenly advertised rate on Bankrate.com. TLDR: While browsing rates on Bankrate.com last June I saw a 2.25% w/ 0 Points/15yr so decided it was time to refi from our 30yr 3.25%. Did some googling and after a very quick online application late on Saturday, 20 Jun (yes they work weekends), we were pre-approved by 6am the next morning (Sunday)! But then I saw that there were 2 discount pts added to the quote. :( At first I thought this was a bait-n-switch, but they had great reviews online so I asked about the points and showed them the "0 points" advertised rate on Bankrate...well they quickly replied honoring the advertised rate w/ 0 points! Unfortunately, I waited a little too long to lock which caused the points to creep up a bit but we still locked on 23 Jun at 2.25%/15yr with only .19% points! (yes POINT 19!). It was only a 30day lock but I had all our paperwork ready to upload and was confident we wouldn't be any hold up. Fortunately the whole online experience was very streamlined, went super-fast and they were ready to close on 8 July, only 15 days after lock! That's pretty fast compared to our others! They also refunded the $500 appraisal fee because it wasn't needed. I recommend you have your income & employment verification info ready to upload right when you apply and also setup your IRS login accounts in advance. (My IRS account creation had a phone# verification glitch but thankfully Better.com allowed that to slide and used our joint tax return as the additional verification.) We cannot be happier with how smooth this refi went! Thanks Better.com