Dave, my family and I want to thank you for helping us in refinancing our home. You can’t imagine the greatness you have done for us by saving us over $500.00 with our new monthly mortgage and not to mention also that lower interest rate!!! This is hugh! At first, we have been hesitant about going through it. But you have been so patient and responsive to our calls and questions, and meticulous in what you are doing, keeping us informed throughout the complete transaction. We were worried but you have made it so easy for us. We did it! You are the best and we will not hesitate to refer any of our family and friends to you who needs a home loan or refinancing needs.