Quicken has a "team" that is working on our loan, so they don't have a clue what the other person is doing. They will request that something needs to be done when it has already been done. They blame the mortgage company, they blame the appraisers for holding them up. We have been trying to refinance going on 4 months now. So now we have to re-sign papers because they are over 90 days old. This is endless. I would never go through them again.