I was thinking of refinance for my home. But I don't know some companies ask for all kinds of stuff and make the process a headache could you tell me any info about it how was your experience, what do they ask for, do you need to pay for appraiser ?
I want to know more before I call them. thank you

All lenders are federally regulated, BUT they all have different ratings (like finding an auto insurance carrier.)

Lending Tree is reputable and all lenders will ask for a million things. Many times people will go through a "Loan Broker" that does much of the leg-work for you, but you still have to provide the usual tax returns, pay stubs, etc. at least once. The loan broker will search for lenders that will accept the terms you hope to get. There is an additional fee built into your mortage for a broker, so it is up to you to determine if it is worth spending the money or can you make the time to get what the lender wants directly.

All lenders will require an appraisal, but the bill can be built into your loan papers, so it will not have to be paid upfront.