Without your help, we would never have been in a position of looking at a lower house payment, refinancing and getting a fixed-rate mortgage, and feeling a little more secure about being in a place that we call home. What you do is beyond my recognition, but I'm so grateful that we connected with you on our home loan...Your persistence, your focus and your kindness to us will never be forgotten. We are grateful for all your efforts. L & J Coeur d'Alene, Idaho