[lawwailok]

yea, i would stick with big banks. have you tried to call your current bank and see if they offer any "streamline refi"? i am through chase and last year, they send me an email regarding the streamline, i thought it wouldn't hurt to try. it was in May 2009 and the whole process was about 3 months tho, but well worth it. dropped 1.5% from my previous rate and with closing cost and everything, i only had to take out $2900 from my own pocket. but i saved $300 a month on my mortgage.