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Timothy Young
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 I received a $5 gift card for writing this review, regardless of whether I had a positive or negative experience.

One of QL's big tag lines is "Most loans close within 30 days!" or something along those lines. Mine took three months. Granted, I had an unusual lien on my house, having accepted funds from my city by way of a down payment assistance program. Unfortunately that lien, which did not prevent me from qualify for a refinance, caused all sorts of problems for the QL folks working on my loan. I don't know how many times I had to explain and reexplain my situation to various QL staff and submit the same documentation over and over. Ultimately I did get my mortgage refinanced and I'm happy with the terms, but it was a lot more hassle to get it done than I would have expected going in.
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