Compared their rates and closing costs to other offers and no one was close to them. Good communication throughout the refinance process. The actual closing costs was a little less than the estimate i was happier. The application process certainly seemed more complicated than prior refinance experiences we’ve had, but I think that was an issue w/ the funding source and not directly with Fidelity Funding. The better rate is certainly worth it. I would refinance w/ them again and overall I am satisfied w/ the service and the end product we received. Rene Thanks for your help.