We went to GMAC for a refinance a few years ago. Our first mortgage was a nightmare so I was surprised with the ease of the loan process with GMAC. There were no surprises. Everything was fully explained and documented. Everyone was on time for the closing process and best of all, we received an interest rate much lower than our original loan. We now only take out loans through GMAC. We have two vehicle loans through them and are pleased with them also.