This is my first time refinancing and I found Prospect Financial through Lending Tree. I worked with Coby Camerer and he was great. He responded promptly and answered my questions well. Overall, the refinance process took a bit longer than I would have expected. I think my situation with owning a low income condo, dealing with the HOAs, the city, insurance issues, etc. things took longer than they should have. I got the loan officer the needed documents quickly but there were other factors out of our control. For how long it took to close the loan, it would have been nice if I were able to have dropped to a lower rate since rates were dropping the whole time from when I initially got locked in. Now that I have gone through the process I have a better idea of what is needed but I would use Prospect Financial again as they were easy to work with.