I am from the downstate area and purchased a home financed through Rochester Home Equity, Inc. I used them because after a week of searching for the best rate and closing costs, they were by far the best - hands down. Yes, there are a lot of papers to sign but I actually prefer that to ensure I have in writing what the terms are. The paperwork is an easy read and not complicated. I paid a lock in fee and everything closed as promised and I was refunded my lock-in fee at closing as the paperwork says. I am referring them to my family and friends as a great place to go for a mortgage with the added bonus of saving money in interest costs as well as closing costs because they are the lowest in the state.
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