Easiest Loan Process Ever!

I have been looking to refinance for 2 years. I had an adjustable rate and was aware it would increase. I signed up for Amerisave rate drop emails. A year later, I started getting emails that the rates had dropped. After 3 days of these, I looked into it. I was amazed that I could lock in for 15 years at my current rate and only pay $400. I looked into the company on the Better Business Bureau. They had some complaints, but a reasonable amount considering the size of the company (1500 employees) and length of time in business (7 years). I also called and was surprised how easy it was to get through to a live person. They verified that the rates were accurate. I applied online in about 10-15 min. I instantly received an email saying that they had received my application and verified the rate and closing costs. I several others shortly after with a clear description of all the documents they needed from me and the fax number, a link to a site where I could check the status of my loan at any time, PDF documents to print and sign, including the Good Faith Estimate which accurately reflected the charges/closing costs that I had first seen when I applied online, and information on my scheduled appraisal - day, time, appraiser name and phone number. The appraiser came 2 days later and all went smooth. It is now 8 days after applying and I am just waiting for the loan to be processed and closed. So far, this process has has been the easiest loan situation I have had.