To explain in one word.... Phenomenal!!!!! My wife and I could not be happier with our refinance! From beginning to end, Ray was there walking us through the process! We had a 30 year loan refinanced to 15. After all was said and done, realizing that in 15 years our house will be paid off for a couple more dollars a month was almost unbelievable!!! And to top it off!!! We had no out of pocket cost! We appreciate everything !!! THANK YOU