I wanted to again single out John Trayler, a terrific loan officer, this is our second time working together, again professional and knowledgeable, have already recommend him to my friends. This time the lost art of service, was instrumental in my refinancing to again lower my mortgage payment. John reached out to me with the opportunity to refinance without all the typical paperwork since all my previous information was already in your system. Without any effort on my part the loan was refinanced, with a very small cost to me, payback in approx. 8 months. I am going to be in the market again in the next few years, this time help settle a trust distribution, entailing bridge loans to enable properties within the trust to be upgraded prior to sale. This time I'll be reaching out to John!