My mother-in-law, who's impulsive and uniformed, was told by someone who is actually quite savvy to refinace though this seemingly random internet site. It seems to have worked out fine, but again, she doesn't know what she's doing. LINK
I don't see any major red flags, but what would be the danger in at least contacting an outfit like this? Any experience with something similar. Low rates, "no" closing costs, etc.