I've turned down several refinance offers, until I received a mailer from 1st Rate. A quick search showed that their ratings were tremendous, and that led me to call about the offer.
Chris Brown answered the phone, and we talked about possible rates. I explained that I was interested in refinancing, if I could take advantage of a VA program that lets you roll energy improvement costs into a refinance. Despite not knowing the details of the program, Chris worked hard to get everything ironed out.
There were some hiccups along the way - the company that installed a new heat pump wasn't being cooperative - but overall I am very pleased with the new rate. More importantly, the service that you'll read about here or on BBB is just as good as the reviews say. I would highly recommend 1st Rate, and can't recommend Chris enough!