I was nervous about sending so much personal and financial data to a «voice on the phone». This was my third mortgage. It could not have been easier or more efficient. I contacted an agent and explained what rate I wanted and where I wanted my payments. Within about 2 weeks I had the rate I requested, paperwork was moving, and I had a $ 500 less per month payment. To be fair I have a great credit rating and all my ducks in a row. Still I would overwhelmingly recommend BluFi.