a little frustrating all the hoops u have 2 jump threw now 2 get a refi. or a mortgage. but over all it was a painless experience. the people @ quicken were friendly & very helpfull. Editor's Note: Thanks for your review. I'm glad that overall your loan process was painless and I would be more than happy to look into any problems you may have had along the way to determine what kind of hoops you may have had to jump through. At this time I'm unaware of the exact details of your loan so cannot determine the cause. Email me at Kelly@quickenloans.com. Thanks, Kelly