I have had this on my list for the last 3 months or so, and after talking with a friend who did it finally got motivated about 2 weeks ago. Our current mortgage is with Wells Fargo, and after doing some research online I found that it could be cost saving to go with current lender.
So, I played phone tag with a guy from Wells Fargo for 2 weeks. He called me back a couple times initially, but then he just wouldn't call me back. In frustration, today I called the local office, and they connected me with a rep.
Well, she was really quite rude, and this put me off. I mean, I am the customer, right? She was very snippy and kept saying the rates have gone up, and you'll have to pay points (that's fine - I understand I'm about a month late getting in on the really low rates), but she was not giving me much information. She then said she'd email some estimates and asked if I was able to look at my computer - she said she would do this in a few minutes. An hour later, no email - I called and left her a voice mail - about 30 minutes later she sends her estimates for a 15 yr fixed and a 30 fixed. The weird thing was that she didn't ask me any questions and frankly just seemed put out at the call. After the first 10 minute call, I have not heard from her again.
In the meanwhile I got online and did some searching - I ended up talking with a guy from Nations Home Mortgage - he was sooo nice and helpful and pulled up all sorts of info for me. It seems to be a much better deal for what we want. He is of course in New Jersey, and I'm in Va., so we'll never meet face to face (I've never done something so big just over the phone - feels/seems a little weird, but maybe it's just our modern world).
Does anyone have a mortgage with Nations Home? I am trying to make sure it's a good company and can't find any reviews online. Also, should I blow off Wells Fargo, since the lady was rude and unhelpful? I know they are a good company, but maybe it's best to go with a new company.
Does anyone who's been through this have any general words of wisdom on refinancing?
I always appreciate the advise I get from 3FC'ers - thanks in advance!