If you are looking for a new loan or want to refinance, you have to talk to Rob at WS Mortgage. We were looking to refinance last year and he got us an awesome loan that was way better than BECU was trying to offer us AND it didn't cost us a dime. It's worth your while to talk with him and compare. He also offers excellent, personalized customer service that you just can't get at those big banks. I highly recommend him.