Thank you Regan for the most expedient, accurate, and pleasant mortgage refinance I have ever experienced. I have been getting home loans and refi’s for over 40 years, and many were nightmares. When I first called you, you told me you could lower my house payment by $300 per month without adding any costs out of my pocket or to my loan and it would take only a few weeks. I was skeptical based on my past experience with other lenders. That is why I was so amazed when it closed in just 10 days with no costs. I attribute your timeliness to your intelligence, knowledge, skill, and rapport you have with your immediate financial partners and associates. But what I found even more valuable was your patience in clearly explaining the complicated jargon on the documents and the steps of each process throughout loan. I can’t tell you how much I appreciate you taking the time to call me and email me, answer my calls and return my calls regardless of what time it was or where you were at the time. I feel very fortunate to have found you. You can count on me for all my future home loans.