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Are online mortgage lenders as good as local brick-and-mortar ones?
At least five of my co-workers are currently re-financing through Amerisave.  Four have had a wonderful experience.  The fifth has been dealing with a representative who constantly misunderstands him, asks for duplicate paperwork, and is in general fairly annoying to deal with.  He is willing to go through the hassle because he found the lowest rates through them.  All five co-workers recommend Amerisave despite this one co-worker's difficulties. Another person I know has refinanced through mortgagefool.com twice with good results. In general I think online lenders are like brick and mortar lenders in that some will be good, some will be not-so-good.