Refinancing can be stressful, and in the past, I have always felt that the loan officer was more concerned about what they could make off the deal versus what was in my best interest. I felt rushed and pressured. I had a completely different experience with James. James takes the time to really understand your needs and helps with any challenges along the way. He doesn't lose sight of the sense of urgency in getting things done for you within the timelines that the two of you have agreed upon. His follow-up is impeccable, as you matter to him. The process was so easy and seamless. I would recommend James for all of your financing needs. He has the experience, and the knowledge to advise you of ALL of the options that could be best for you. It does not get any better than this. I would work with James again, in a heartbeat!