Help/Advice

[Chance Cooper]

Currently I have a 2.0 ARM with MIC and I have been hearing bad things about them. A company called a few weeks ago and gave me a 3.7 fixed interest rate with them and that company is Peoples Bank and Trust. Soon as I started reading the application stuff it talked about giving away my loan to another company to assume etc.

My question is, would it be better just to drive down to the the local bank and get my house refinanced? Would that be cutting out the middle man? Tonight another salesman called me and told me all kind of negative stuff about Peoples Bank and Trust and its got me kinda nervous. 

Whats the best way to get a solid rate and company when refinancing your primary home?