The whole Refinance was a mess with Kindly Loans. Started my refinance at the end of August, and it just got finished at the end of November, so 3 months. They original promised under 20 days for the whole process. Also they encourage me to pay 3grand for an appraisal after I had already paid $900. I had to fight to get them to choose a different appraisal company, but that took a month in itself. Also a week before signing they increased my closing costs by $4000 and said there was nothing they could do, it was just an unforeseen increase. I would have switched to a different company but it had already taken so long and we already paid for the appraisal I didn't want to start the whole process over. It felt like a trick to me to get me to go with them. At the start of the whole process Kindly loans was about $3000 cheaper than other lenders I had talked to, which was why I chose them. In the end not only was it a fiasco I ended up paying $1000 more than with the competitors. Never again!