Yes, I've had great experiences with them.
If you want to do a refi, you can do it a few ways. You can apply online, if you like the rate, you can then open an account and then finalize on the loan. In order to finalize, they'll need -
- 10-day payoff and account # from current lender
- Power of Attorney to transfer title signed by you and whoever else is on the title
- Proof of Insurance
- Copy of your Drivers License
- Registration (proof that it's not expired, unless you go into a branch they can manually see this)
- Sometimes they will need VOI (verification of income) which will be the last two paystubs. This isn't always required, and is a case by case basis, but most accounts and applications submitted online, they will end up needing this. Just varies.
As long as your CS is above 700, you'll receive the lowest rate possible, which is 2% if you apply over the phone or in a branch, and 1.9% if you apply online. That rate is good up to 60 months, if you need to go longer than 60 months, the rate will increase accordingly.
Good luck!
