I was skeptical when initially working with MFHL because of online complaints. But I just closed a refi with them and they were great.
Not the fastest in the world, but very responsive and great to work with. They even sent out a notary to my house to sign final documents. Very happy. I dealt with Allison Hammer.
The rates they offered and the initial coaching on whether to buy the loan down, etc.., proved to be very helpful. I have refi'd several times and I find it just takes a long time and they want your first born as a guarantor.