I refinanced with Quicken Loans in February and worked with Carly Hoffman, my Quicken Mortgage Specialist. My loan was a 30 year fixed, no points, no closing costs. Everything from the time I applied to the time I closed went exactly as she said it would. The smoothest refinance I've ever been through. Three months later, Carly called me back when rates dropped again. She told me that I could lower my mortgage interest rate another 1/2% if I was interested and again there would be no points or closing costs. Just like my previous experience, my refinance was effortless thanks to Carly and members of her Quicken Loan team, Jill Patel and Scott King.