We got a snail-mail solicitation from Vertex out of the blue to do a refinance. I was pretty apprehensive since we had never heard of them and didn’t see many reviews online. I decided there was nothing to lose by at least talking to them and getting a quote and I am really glad I did. I ended up getting not just my primary residence refinanced with them but I also got an investment property refinanced at the same time. Not only were the rates great(got a competitive rate and had all of the closing costs paid for) but they were extremely friendly and helpful. I’ve had 2 mortgages and a refinance before and Vertex was a vast improvement compared to the rest. They * Were very responsive by email * Very responsive by phone * Formal enough to be professional * Casual enough that I didn’t feel like I was talking with a robot. Super happy with my experience. Definitely would recommend.