Yes, I have closed my refi with boxhomeloans in 30 days (locked on April 30, and closed on May 31 when the rate started creeping up). Their rate was very good. I got 3.5% interest rate for 30 fixed loan with approximately $800 closing cost. At closing, there was home insurance cost of $160 being charge to me, and I found out that upon BHL’s request, my insurance company sent them the declaration page in which I still owed $160 (???)…somehow my insurance company increased by premium by $160. However, it was totally a separate issue between me and my home insurance company. At the time, I didn’t want to delay my closing, so I told BHL to go ahead and include $160 in my cost (This is to address some of the info. included in your original post).
David Mayne was my loan officer and he was very good at getting back to me and provide detailed information about certain requirements for high amount loan (over $600K) such as 3 recent sales within 90 days within 1 mile radius from our house for appraisal purposes. We jumped hoops but they were attainable. Overall, I am very happy with BHL as I got an incredibly low mortgage rate.