Once again, I really appreciate everyone's advice. I was mentioning the help I got here to a friend who was shocked that I "got that much mortgage help on a cycling forum." It really is amazing, the wonderful people and the diverse knowledge you find here. You are all really special.

Right now, I'm thinking I'll go with my gut and stick with Wells Fargo. They're paperwork looks good, and the APR is slightly lower. There were just too many mistakes in the other mortgage company's paperwork. When I brought up the mistakes, he just dismissed it and blamed it on the new computer system. I also hated the fact that he claimed he was going to "surprise" me with the rebate on the loan. It also doesn't help that I've received a couple of solicitations from the same company in the mail. I figure, things have been fine with Wells Fargo for the last year and the paperwork looks good.

Now, I just have to tell him that I'm not going to finish the refinancing with him. Has he lost money helping me? The loan is with the underwriter and would be closing at the end of the month. Is there a best way to go about telling him?