I read all the complaints on this board before taking the risk of working with AIM and believe me, I was concerned. The reason I decided to give them a chance with our refi was because they matched the rate and closing costs from Amerisave which saved me $1, 200 right off the bat. I think it went smoothly because I warned them from day one that I had read a lot of shit about them and not to screw with me because I wasn't afraid to get on Complaintsboard.com. To be honest, the process couldn't have gone any smoother for us. We have credit scores over 800 and just wanted a simple refi from a 30 year down to a 10. We locked in at 3.375% and closed in 14 days. They never did an appraisal (maybe because we live in the middle of nothing in Vermont) which saved us $250 additional dollars. Other than providing them with the required documents, there was no effort on my behalf, just sit and wait. Their closing costs are high, but get them to match Amerisave who has rates almost as good as AIM. When you consider how much you're saving with the closing costs, it's worth it. I didn't use Amerisave because I didn't like their rate lock process. To summerize, I am happy I gave this company a chance to redeem themselves. The process to refi went very smoothly and quickly. I don't regret using them.