Okay, let's get down to business...Mortgage rates were/are at historic lows and my all-knowing Grandfather (who would be 102 were he still with us) always said "if you can drop your rate 1-point or more always do whatever it takes to getter done, you'll always come out ahead." So armed with this thought in mind I jumped on Bankrate.com and began a search that landed me at Quicken Loans (best rate + costs + high service rating). Being blessed many times in my life I was once again provided with a blessing, this time it was in the name of Kathy Gaines, Executive Mortgage Banker for Quicken Loans. We struck a cord right off since I realized she had vast knowledge of her Companies capabilities and the details of what need to take plac...and she was in Michigan, the State I was born in and lived for 37 of my 60 years. So let the Process begin: Easy, efficient, friendly and filled with satisfaction is what I can tell anyone interested in working with Quicken Loans. The required paperwork was provided by me via email and fax, each transaction was acknowledged by return email to confirm the transaction was received, no guess-work here. I made my first contact with Quicken Loans on March 18, 2009 and received conditional approval on March 20th. We closed the deal about a week later at our home! The Bottom-Line here folks is the deal is done and we are happy and filled with satisfaction and life can go on with that wonderful feeling you get when you achieve your goal...My Best to Kathy and All at Quicken Loans.