A couple of years ago I found myself in debt, and paying too much for a mortgage and home equity loan. I looked around my town for a way to refinance, but couldn't find anyone who would either give me a loan, although my house had appreciated, or would give me a fair interest rate, because of my credit rating. Then Mortgage Lender's Network came to the rescue.
I found them on-line, and was a little leery at first, but these people were great. They told me exactly what they needed from me, and gave me an 800 number for both fax and phone. They explained everything in detail, so that I knew exactly what would happen. The only fee I had to pay out of pocket was $100 for a home appraiser. They gave me a fair appraisal, the interest rate I wanted, and the 20 year term I wanted rather than a 40 year term. They didn't treat me like pond scum as some of the banks had because my credit rating is "fair" instead of good or excellent.
I had my loan within two weeks of my initial contact with them. They handled the payment of all my outstanding debt with lightning speed, and it was as if the weight of the world had been lifted from my shoulders. They've been great with keeping the right amount in escrow for insurance and taxes, and getting paid in time. They had the best customer service of any lender I've ever dealt with. None of my questions were treated as if they were stupid (although I felt sure some were!). I would recommend Mortgage Lender's Network to anyone looking to refinance at a fixed rate and your own terms!