I contacted my previous lender several time with out any one getting back with me over a period of three months. I received a random email from LowerMyBills.com but dismissed it when the questionnaire asked me for my social security number. Then I started receiving several emails from mortgage companies all over the country. After talking to several of them each one seemed to have along drawn out process and was suggesting I would need thousands of dollars at closing non of them offered anything to do with my current FHA loan.. Until I got to Quicken Loans the rep was more knowledgeable and was able convinced me to supply my Social Security number to see if I qualified for the new FHA loan. I received a proposal right a way by email was qualified in a couple of days and with in three weeks I was signing the loan papers with just a couple hundred dollars out of pocket. I would recommend you to any one.