I have purchased homes and refinanced several times over the years. Last year (2009) I refinanced to take advantage of the lower rates and used Tom Hawkinson at Wells Fargo Home Mortgage. It was by far the best and easiest home finance experience I have ever had. Tom handled the details extremely well and made the whole process go quite smoothly. I also found that Wells Fargo's rates were very competative and I'm not even a banking customer with them.
Pros: Efficient, helpful, friendly, great rates