We've worked with Christy at MFG Funding Inc/Home Loan 123 twice now and both times it has been a wonderful and stress-free experience! We are first time homeowners and were recommended to work with Christy by our real estate agent. We had an unusual situation since our recent work history included a few years we spent as expats teaching English, and in addition my husband had been working steadily as a contractor for a tech company... yet many lenders were not considering his income as "stable income". Christy and her team were able to help us secure financing for our first home at a good rate, and we were able to close on time. Just this summer as rates dropped, we decided to reach out to Christy again in hopes of refinancing our loan for a better rate. She was able to find very competitive rates to what we were finding online and once again, her team worked with such efficiency and speed, we closed on our refinance loan MUCH faster than we anticipated! Thank you again Christy and team for all your hard work!!