I'm looking for the safest company to refinance my home?

I work for a mortgage lender, not a broker. The only thing that you can do is use your gut, find somebody that you feel comfortable speaking with over the phone. I would recommend using a National lender. The bottom line is this, their are good bankers and average bankers in every organization in the country, just like their are good teachers, and average teachers. In the first response to your post Bargainhunter wrote that Brokers charge people hidden fees, that's not the case. Again, the majority of people that work in this industry are trying to do the best for their clients, take your time, ask questions, and learn how the process works, that way you can move forward with confidence. The banker will be more than happy to explain what all of the charges mean in detail, all you have to do is ask. When you know how everything works in the process, it takes all of the mystery out of the numbers. Unfortunately, most people don't ask becasue they think that they'll sound stupid, mortgages are complicated transactions. Don't be afraid to ask questions. Good Luck.

There's no such thing as a safe place to refinance your house. You have to shop around and go with the company that makes you the best offer but one thing that I will advise you is to do it with at least with a well known company. If you go with a broker they will tend to charge you hidden fees.

What you should be shopping for is the best package, lowest closing costs with the best interest rate and no pre-payment penalties.

Safe how? Shop at brokers and banks, most brokers end up getting a better deal than the banks, if you qualify for a bank loan. All fees are regulated in most states and fully disclosed regardless of where you get it from.

Concern yourself with getting the best deal for you, from a place that you feel comfortable with, and has some experience