The process was not that easy for us. It took almost 2 weeks to finalize the paperwork. Every time we thought we were finished we either filled out something wrong, didn’t sign in the correct part, or skipped over something. Some of the directions were confusing. Though we are very satisfied with our refinance, it was not easy at all. A lot of emails and phone calls too. But, overall, we are happy with the refinance!
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So the new bank that rate genius recommend is so antiquated they can't take your payment online. Only via a wire transfer or over the phone, both of which cost me extra money every time I make a payment. I would not have chosed this bank had this been disclosed to me upfront. I should have known better than to use an online service like this for my financial needs.