Jared Plonski offered me a good enough loan. This isn't bad. I was shopping around and frustrated with all the back and forth between brokers. My credit union's loan wasn't all that exciting. t would have been just about what Jared offered. I had done enough research to know that I could do better than what Quicken offered. If I enjoyed shopping, I'm sure I could have gotten a slightly better rate, but I don't enjoy shopping. It was going to be more work for me to save, perhaps, .2 % and maybe no points. Thus, Jared's offer was good enough. I could complete the process with nearly zero hassle. I now have a loan I can afford, with a rate is OK ; it is 1.25% less than I had on my 30% fix-rate. Compared to my last refi, this was freakishly easy and pleasant. If you don't like interacting with people, even though I don't mind them, this is the best way. The only human interaction is with the Notary. Within the month, they had resold my mortgage, as he said they would. It is at Chase, who, actually wouldn't have given me as good deal as that offered by Quicken.