[pavon]

I refinanced with them, but mostly because the salesman I talked to were misinformed or intentionally lied about some detail of how they could do FHA refinance which made them sound like a better deal than everyone else I compared against. I don't remember the details (it was a long time ago) and the information they gave had been true at sometime in the past, but had expired. In the end, they had slightly (negligibly) better rates than the rest after factoring in the points, and I had already paid deposit money.

Despite that bad start, I was very happy with how they serviced the loan. They didn't play any games or make things harder than it needed to be. If you sent in extra money they both applied it to the principle immediately, and pushed your next payment date out accordingly (and cumulatively), so you could retroactively treat it as a prepayment if something came up. This was really nice, and none of my other mortgages have done both - the better ones automatically applied it to the principle, and the worse ones treated it as prepayment unless you jumped through hoops to inform them otherwise each payment. I did end up taking advantage of this to help get through some unexpected medical expenses.

Paying off the loan was also trivial - just sent in the last payment and the loan was done and they sent me the necessary documentation. That is how all my car loans have worked, but for some reason previous mortgages have required some extra steps for the final payoff, or the mortgage ends up in some weird purgatory state.