I first contacted quicken loans eight years ago and was told they can get me a 1.9 percent loan since my credit Wes so impeccable and I didn't owe anyone anything, and it was going to be a 10 year loan, but when it was said and done it was a 11 year loan for 3.4 percent, I did the math and they ripped me off for about 12,000 dollars and every year the loan gets more expensive so I had to pool all my money and pay this loan off asap! After owning the house for 21 years my payoff was still 53,000. I bought the house in 94 for 85,000. Someone needs to stop quicken loans!