I applied with Rochester Home Equity, Inc. due to low rates and found them useful. They offered me the option to lock into a rate with an expiration date. I did everything that was required and closed without a problem. They had a low rate and cheap closing costs so I saved a lot of money. The only peeve I have is that they weren't able to speak to me live each time I called. I had to leave messages but someone always called me back. I guess most lenders are busy with a lot of calls so it was no biggie but would have liked not to play the message game.
Pros: Great rates, low closing costs
Cons: Wasn't able to speak with someone live when I called and had to leave message but they always called me back
more