I got my quote and everything went smooth. Great communication and got my refinance done quick.
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I have ranked them with one star only because I cannot give zero. My entire housing payment is completely botched up. I went online to make my monthly payment in November. As a surprise, with no notice or explanation, the monthly payment due (mtge + escrow) had suddenly increased by $316.37. I called, and they explained the increase was due to a change in my escrow, as my property taxes had "increased." I called the City Assessor's office and the City Treasurer's office, both of whom told me that no such increase had occurred. I relayed this to AFR, who called the City, confirmed this, and called me back to admit they had made a mistake. Sounds easy enough to fix, right? No chance. I was told that a "new analysis" had to be done to correct the issue, which would be completed by "November 19th." Since then, I've had many phone calls, with many different reps, NONE of whom could tell me if/when the new analysis had ever been -- until today, December 18th, when a rep (finally) explained that the new analysis actually had been done back on November 23rd. No explanation as to why no one had ever told me this. So, problem fixed? Not so much. Here's the rub: (1) my "new" escrow amount will actually be $1.33 LESS per month than my old one, and yet my "new" total housing payment (mtge + escrow) will be $149.32 MORE per month than my old one (what kind of math is this?!?); and (2) even though they admit they screwed up my escrow amount back in November, they say I still have to make payments for both Nov & Dec that are $316.37 MORE than my old payment amounts, only to have a "credit" added to the account and my overpayment "refunded" to be later (allegedly). This is because their computer system will not recognize that an updated payment amount until January 5th (18 days from today!!!), even though earlier in the conversation she that that this normally takes 48-72 hours. There are just no words to explain how dissatisfied I am with AFR. I am not a fan of large banks and lending institutions, but I wish I were still a customer of CitiMortgage's, where there was NEVER a mistake made with my mortgage or escrow accounts, for the nearly 12 years that they serviced our mortgage. I refinanced our home earlier this year in pursuit of a little better rate than Citi could offer, and ended up having the note sold by the mortgage broker to AFR. It took AFR less than a half a year to completely screw up my account. I cannot recommend them, whatsoever.