Refinancing out of state property - Quicken Loans

[GoLowDrew]

I tired to refinance my out of state investment property once before with the same BIG bank that held the mortgage. I figure I give them the business since they been my bank for 20 years. Long story short, it was a PITA that I cancelled it process. Being out of state, and they in another state, it seem like a lot of the work they are asking me to do. Why am I paying them $1,000 for fees?

I have refinance my personal home in the past many times. That was years and years ago. It was a piece of cake. Basically, they took care of everything. All I did was sign papers. IIRC there was no fees.

I guess that was the "old" days.

I'm thinking of trying to refinance again with Quicken loan. The rates are too low to pass up. Currently paying 7%.

Questions:

1. Any opinion on Quicken Loans. Their advertising seem agressive.
2. Are they just like the "big banks"?

[DantheVWman]

All I have read is negative about them.

I used a refinance calculator recently, and like a dummy I put my phone number in.

Quicken loans called me for a day and a half from a bunch of different numbers. It took me that day and a half of "Who is this, stop calling" to get them to stop.

Im a fan of private trusted mortgage companies from word of mouth sources. I dont trust big corps or start ups.

Just my $0.02.

[GoLowDrew]

So how should I go about this?

Let's say I'm in CA. The rental property is in NY. Should I find someone in NY to refinance with?

Everyone sell a good story. It's when comes to doing the details, then all the "issues" come up.

Many of the Big Banks, (are licensed) can do business in all states. Did I just have one bad experience?

Or are the rules now changed where refinancing is a PITA, no matter who is doing it.

Advice.... TIA

[1inhiding]

Have you tried the offers that come up via Zillow? http://www.zillow.com/mortgage-rates/ - that's how I found our refi...