I was contacted by my mortgage company (Seterus) to start the process of refinancing with Quicken Loans. They told me that my loan is in outstanding wonderful standing I could refinance with zero down. So I started the application process, but decided to do some checking around on the web regarding consumer reports. Glad I did!!! They have SO many complaints, 10000's and 1000's of them!!! Scared me to stop the process right there on the spot. But now I get phone calls, emails non-stop. They are relentless. I don't know much about re-finance but when ALL of the complaints are EXACTLY the same, then there is something very fishy going on!! Do your due diligence and look around online before you possibly get hurt by this company.