Owning.com for home refi - any experience?

[Spiff]

I was on year 6 of a 30 yr. loan. I also had a HELOC that had a variable rate. I decided to refinance and got the two rolled into one, at 3.125 rate. I have saved a bunch of $$ each month by doing this. Couldn’t have come at a better time since I’m getting a pay cut in June.

As to the original question- dunno. I went through the state credit union.