I called these guys (actually I called Academy Funding, but they apparently are affiliated) and Eli Moss quickly returned my call. He took all necessary information over the phone and emailed me a re-fi estimate within a few hours. I compared their closing costs and rate with two other places and Anchor beat them in both areas. After giving it some thought for about a week I decided to go ahead, called Eli back and started the process. From here on it was an extremely smooth, I was surprised. About 2 weeks into the process I was thinking to my self if I should give Eli a call to see if he could do anything to the rate, I was watching the news and the rates were coming down a little. I knew my rate was locked, but I figured it was worth a try. This may sound weird, but I didn’t get to give him a call that morning when I checked the market, and a few hours later he _called me_ out of the blue! He said he had great news, he was able to cut down the rate and also lower the closing costs! Very very impressed with his honesty, he could’ve just kept the profit.
Working with the appraiser, loan officer and escrow was a breeze, especially the loan officer (Lisa) was extremely helpful! I had trouble getting a particular bank statement from my remote bank and they worked with me to resolve the matter very efficiently.
In the end I saved a nice chunk of change and closed in about 3 weeks from the day I told them to go ahead. I’ve done re-fi before, and both used and new-home financing and this was by far the best experience.