Finally Refinanced!

As mentioned before I went through Bank of America to refinance my home mortgage. The whole process was wonderful and easy! I looked into Bank of America after coming across an ad on their site. I applied, was instantly approved, and the next day a rep called me. For about 3 days the rep and I went back and forth as I was trying to negotiate a good rate. I used examples of rates that other web sites/banks had offered me. Eventually I got a rate I was looking for. For the next process, during the next 2 weeks I was working with another rep who worked with me to get my home insurance information, payoff statements for my current mortgage, and anything else needed. My current mortgage company was not cooperating, which I sort of expected since they were not timely in providing a payoff statement. Luckily I could get this from their web site. Right before closing, the 2nd rep passed my mortgage info to the underwriter who approved everything. In order to close within the 30 days, Bank of America sent me all of my documents via FedEx overnight. I went to a local Bank of America branch, signed the documents, had the needed documents notarized, and then sent everything back via a prepaid FedEx overnight envelope. All communication was done via email and a few phone calls. With emails I would get an immediate response or a response within an hour. Not bad. Overall this has been a good experience.