I sound like a broken record, but when searching for re-fi home loan rates in Jan. (had gone thru Costco Lending Tree & multiple other brokers), with +++ closing costs & slippery eel mortgage brokers, Rich Toscano (on Pigg site) recommended his associate, John Simon – a mortgage broker to help sort thru mess.
Emailed John & he kindly referred me to SDCCU (coulda pulled down major buku bucks w/ self-reference or other cohort!!). Told me they were best for $$$ (ie., low closing costs; reputable; timely) – he was exactamudno correct!!