As a senior citizen with twenty thousand dollars of credit card debt and on a fixed income. I was looking at claiming bankruptcy. While looking at all my options, I called a couple of Mortgage Brokers claiming to have interest rates as low as 4.5%. Needless to say, this was my answer. A refinance with a low interest rate and a monthly payment that would be affordable. This was my answer. I made the call, and I wasn't surprised to learn that this rate was for individuals that had a mortgage balance higher than $250,000.00. Well, I only had a $160,000.00 balance and therefore my rate would be 6.5%. I already had a 6.5% mortgage rate. I was in a position that was as bleak as you can imagine. I remember seeing a Quicken Loan executive on FOX news and I went to the Internet and googled, "Quicken Loans". I filled out the information on-line and received a call from Matt Thomas, Quicken Loans Mortgage Banker. I told Matt my situation and he asked a few questions and he discussed various options. I chose the one that fit my needs and within 3 weeks, I became debt free with a 4.375% mortgage. Thank you Matt Thomas and Frank Gongola (Client Care Specialist) and Thank you Quicken Loans. This was the best business transaction I have had in years. In fact, It was the best experience since my home town banker use to call me by name.......! May you gentlemen and your Company continue helping people like me and may your rewards be bountiful. Best wishes, Frank J. Santangelo