Yup, the Sebonics, Auroras, etc. of the mortgage world are great to work with on refis. They literally do these types of transactions day in/day out and the process is super efficient up to and including the handoff to the eventual servicing company.

Given that, I've had really good luck with sifting through options that www.BankRate.com has returned in the past. What they quote is exactly what you get; that's definitely made me a repeat customer in the past for sure.