Hello Kristen and Keiara, I wanted to drop you both a note about how much we appreciate you both and want to say thank you for all your help with the refinancing of our home. Kristen in the beginning when we were deciding what to do and I thought I was going to go with my credit union you were super helpful and informative and you aided me in making an informed decision that ended up with us saving money and finding the right fit loan. Keiara once we were passed onto you, you never missed a beat. We even had some difficult paperwork that was needed from outside people and you immediately set up 3 way calls and walked us through it the entire time so that we did not lose any time or get caught up in back and forths because we did not know what to ask. T.J. and I truly appreciate you both and will pass your information on to anyone we know that needs mortgage assistance. Keep up the great work! Thanks so much!