Was offered a refinance offer through the mail and accepted the offer. After completing the refinance application and calling the number provided, I was pleasantly surprised with the applications available to send information to document my application and also the fact I only had to communicate with one person (Wendy) to complete all the ground work. After the ground work was completed Wendy still kept in contact to ensure all was going smoothly. I am absolutely happy and saved a bunch on interest. Oh, also less number of payments.