As a long time user of Quicken, it was only natural that I would check out Quicken when it came time to refinance one of our rental properties. This was a big mistake. While the quoted rates looked attractive, there were at least three misleading practices: 1) The sales person insisted that a "Soft" Credit Check would not affect my Credit Rating: NOT TRUE. 2) The estimated monthly payment included $0 for both Taxes and Insurance: NOT TRUE. 3) The salesperson claimed that the appraiser was "an Idiot" if he could not find a comparable for my rental property: NOT TRUE. At this point, I switched to another lender who provided equivalent terms and far better manners.