Mine was a refinance transaction that included paying off a HERO energy loan. Believe me, after shopping for brokers/lenders to work with, you must find someone who knows the ins and outs of dealing with this type of financing - energy efficient home upgrades repaid via your property tax billing. I certainly found one with Mark Stillman at Oso Creek Financial. Mark's advice was invaluable and he guided the transaction in a very professional way. I and my house are in Northern CA. Mark is in SoCal, but that never ever became an issue. Mark/Oso Creek utilized digital solutions that made everything super efficient.

Since Day 1, Mark has been very helpful and accommodating. He was in constant contact by phone or email, sometimes after work hours and weekends. He patiently answered all my questions and kept me posted every step of the way. He was very informative and helped to make my refinancing process go through smoothly. Thank you!