Do not waste your time trying to refinance through BlueHarbor Auto. You'll give them all your information and they will secure you a good rate and then tell you about all the "fees" involved in completing the loan. $199 financing fee. Ok, everyone charges those. $87.50 re-titling fee. HUH? Oh and btw, you have to sign up for our extended service contract on the vehicle. At this point I told them I was no longer interested in their services. I found this company on Bankrate.com. I really do not think that Bankrate knows that this company is trying to rip people off to save a few points on a loan. I'm going to be contacting them. If they don't do anything about it I'd say it's safe to assume that Bankrate has gone down the tubes.
I guess one good thing came out of this situation. I discovered Pentagon Federal Credit Union. They had better rates than the above mentioned and their customer service is incredibly helpful and courteous. Also, the entire application for membership ($5) and the loan (free) are handled online. After a couple days my loan (refinance) was approved and I had the pay-off check for the current lender.