Julie helped my family last year with a mortgage and this year with refinance since the rates had dropped significantly. She is incredibly organized and knowledgeable. I had never gone through this process before and she made it so simple. She answered all of my questions with care. She was very communicative about the process, where things are and what to expect. I appreciated her working through various rate/principal scenarios that helped me make the best decision for my family. I highly recommend her!