The rate is good and I like the no nonsense approach to the application process. I basically did the whole deal sitting at my desk one afternoon. No sweat. Sabien with auto-pay was super cool and helpful. The only issue for me is the loan fee. Mine was $449 I think which nearly negates the advantage of the refi. I think it's a trick they pull and I want to call them on it. Say it up front Auto-pay. I shouldn't have to read fine print to see that I'm about to spend $450 outside of the loan and interest. I want people I can trust in the banking business and now I'm wary of Auto-pay and Credit Karma. Just beware and know what you're paying for.
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They got me an excellent interest rate. However, after going through the documents later I found that a "doc fee" of $649 had been added. This was not disclosed to me by the representative that handled my loan. It was my fault that I had not noticed it initially and lesson learned. After some research I discovered that this is a very high fee indeed. Autopay makes a commission on finding the lender business but I suppose greed is an overriding factor here and with many companies. Called them just to ask for an explanation and they gave me the runaround, "this is standard", all that BS. Would not use again.