Thank you for the info. I am glad that you had a positive experience. I think I will try to find out if it works for me. I am with BoA, and I keep on receiving the “invitation letter” with my mortgage payment asking me to call to see if I can refi. I called a couple of time, but BoA has never had any good rate. I refinanced with one of the local broker 3 times in the past 3 years, and he always did really good for us. But this time, I think BHL has a better rate. I hope it’ll work out
