After getting cut off by Citibank, I decided to give Ditech a call. From the Best Loan Picks section Ditech claims that they are a leading mortage lender and that they have a low closing cost fee - $395. This makes sense to me for a loan of this size since Citibank had quoted me about $2762 in fees.

So I first start chatting with the guy from Ditech:

As you can see he very quickly wanted to talk to me in person - I guess that is a good way of screening people…

Here is the chat:

Welcome to ditech.com’s Live Chat. Please wait while we find an agent to assist you. Chat sessions may be monitored for quality control purposes.
You have been connected to Rocky Manibusan.
Rocky Manibusan: Hello, welcome to ditech chat, for future reference and in the event we are unintentionally disconnected, my direct number is 800-700-9261 ext. 2502 and
my e-mail address is rmanibusan@ditech.com,
I hope you are having a great day. What question (s) can I answer for you today ?
Me: Hello
ME: I am looking to re-finance my current loan
ME: The property is a condominium
Rocky Manibusan: What is your account number or ssn so I can reference your file.
ME: The loan is with Citibank
Rocky Manibusan: What is the current balance on your mortgage (s) and the fair market value of the home today ?
ME: Currently I have a first mortgage for $80123.38
ME: The home is worth about $280,000
ME: There is a credit line on it as well
ME: The amount available is $172,000
ME: But I am only using $10,000 of i
ME: it
ME: credit line = HELOC
ME: I am thinking that I can either just refinance the 1st mortgage for $80123.38
ME: and keep the 2nd with Citibank
ME: or
ME: we can get a 1st mortgage for $100K
Rocky Manibusan: If you have time to answer a few questions, I can enter your personal information into an application and run the application through the ditech.com automated underwriting system, the purpose of the automated underwriting system is to concurrently determine eligiblity and generate rate and fee options based on your circumstances and then we can go over some pricing options.
What number can I reach you at ?
ME: 650-XXX-XXXX
Rocky Manibusan: I will give you a call in about five minutes, my direct number is 800 700 9261 ext 2502, thanks.
ME: k
Rocky Manibusan: talk to you in a few.
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