Trey LaVera and Scott Circo were very thorough and efficient! When you're serious about doing your refi, these two will get it done in no time! They were the best! With these two behind the charge... everything happened it seemed, in minutes... of course in reality a little longer. With all my questions, they were quick to respond and answer them to my understanding. Once these two got the ball rolling and with the rates that were being offering, I didn't have a chance or desire to go with any other lender. Thanks for having such great employees on hand.