Overall we had a very disappointing experience with Premium Mortgage. Our first representative, Julie Wilde, was extremely poor at communicating with us, going one point 2 full weeks without returning multiple phone calls and emails. Then she left the company without notice. Honestly I don't know what happened, but I would not feel bad if she were fired. I feel like we got a very poor interest rate, after we were promised "we will call you frequently when the rate goes down" We were allowed one switch if the rate went down, I'm sure it did between the time we locked in and when we closed but Premium was never interested in working with us once we signed up. In hindsight, the whole concept of selling our loan to another bank after closing proves we weren't getting a good deal. I would never use a third party like this again, and would instead deal directly with a bank. By the time we realized we should switch, we were too far into the process to back out. I would NEVER use Premium again, and would not recommend them to anyone.