This was the most efficient business transaction of my young life. What I thought was going to be a rough and tumble convoluted experience in this over regulated by the federal government industry ended up being very streamlined. This was due to the adept nature of Jennifer and Charlene. They were on me from the get go regarding everything they needed from me to make my refi go smoothly. And, they processed all of my information efficiently to the parties requesting my information. No wonder they've been in business and stayed in business all these years. You'd be crazy to go anywhere else for a home loan or refi.