vote for Quickens great rates..
but....
after 4 years, they started the phone calls, we would like you to refinance, get you a better rate....lower payments...yeah, yeah, yeah...
people fall for there tack ticks, lower payments means they extend your loan out to 30 years again.....
I knew what would happen with my loan, and said no. But they did call me and try to convince me to refinance at least 5 times...before I got mad and said no more sales calls.
So if you don't mind the occassional sale calls....there rates are pretty good. Except the $500 payment upfront. didn't like that either, but caved in because of the better rate.
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