tried to refinance thru my bank that my family, business and i have 12 different accounts with; as well as my prior mortgage. they were very difficult to deal with and made me believe though i had a good credit score and home equity i would not be able to refinance after they asked me do a home appraisal through their appraisal company. they asked i try again in a year. 9 months later i decided to try something different. i was skeptical, but willing to listen to 'the sales pitch' from Terry. He did an incredible job throughout the process. he kept me informed. he eliminated the large closing cost i was quoted from by my own bank; refinanced and lowered my interest rate by 2. The close was made simple as the attorney came to me. Fast and simple; the process was even a better experience than Terry stated.