I talked with Steve, and inquired about reducing my PMI, he quickly ran the numbers, and gave me an estimate of what the costs would be. Some of the costs were massaged, but nothing was misrepresented, his estimate was spot on. He then attentively worked through the refinance and got it done in short order. He was very responsive to requests and questions.
I had done some shopping around and found the other loan options to be more vague about the expected costs, and slower to get in contact with me with information.
Once I decided to apply, the process was complete in 25 days.. 15-19 of those days were on the appraiser. 4 of them waiting on the title company. He had figured the day of closing right when we started. He was very professional, and didn't pressure me in any way. I'll look him up the next time I have any mortgage needs.