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You may actually find it easier to refinance online because you can get several quotes quickly and without having to go for appointments at a brick and mortar mortgage company. That isn’t to say that online loaners don’t also have a building somewhere. I believe you can refinance online with Lending Tree and a few other companies.
Here’s an article you might find helpful if you’re considering going through an internet loan company. http://www.ehow.com/how_4858330_refinance-online.html