I know the most reputable refiner, I send gold to Mike(the owner) all the time. He pays 93% of the gold, he melts it down, and then XRF's it(x-ray's) and sends you a printout letting you know the actual karat value(just because something is marked 14k does not mean it is a true 14k(58.3% gold)piece. Last time I used him, I got the check in 4 days. Awesome guy.
Please pm me, and I will send you his info.