Better Mortgage was the best experience I ever had with a refinance. In my lifetime I have purchased 3 homes and refinanced 5 times and this was by far the most efficient process. Their on-line process is easy to follow and clear about what needs to be uploaded....The rate I received was among the lowest from any advertised anywhere and I paid no points to get that low rate. The entire process from start to funding took less than 4 weeks. Remarkable.