My husband had a massive brain aneurisym a yr ago and our income depleted by$ 65,000. I had a huge house payment and working at the hospital and looking like a bleak future(nurses strike)I needed to get a lower house payment. I went online and ended up with Mike Mastrangelo calling me to get the particlulars. By the end of the conversation and time to discuss the conversation with my husband, I called him back and we had a go! from beginning to end, 3 weeks we had a man sitting at our kitchen table,doing the closing.Mike and I called each other or e-mailed what ever we needed. We laughed and joked and it was a great experience.I know I can call Mike for whatever reason. He wasn't the only person I talked to, but the headpin of it all. I talked initially to him on a thursday and on Sat, there was an appraiser here. It was all on a roll from there. the last time I refinanced, it was almost 4 months from beginning to end. What a nice surprise this was! I can't say enough good about Quicken Loans. like I said it should be named Quickest Loans!!!