My loan was already with Seterus and Quicken Loan was able to perform the refinancing of my loan and hand it back over to Seterus. I bought this home when I was single and later got married and had to rent my home out. I didn't think that I would be able to refinance or if I did I would have to put a ton of money down. This process was so simple I literally closed within three weeks. Honestly I'm still amazed because I feel like the process was too good to be true. I'm now saving over $200 a month with my new refinance. All I can say is give them a try my process was simple and I'm completely satisfied. Team that assist me was excellent I didn't experience one problem or one disappointment. I received a $5 gift card for writing this review, regardless of whether I had a positive or negative experience.