I spoke with Bobby on many occasions as I was looking to refinance my current home loan. He was very upfront and honest the entire time and was able to come up with a likely scenario to get my home refinanced. I originally thought that it would be tough to refinance because of how home values have tapered off in recent years. However, he notified me of special programs that would allow me to refinance. It came down to finally starting the application and the lender had a problem with me being self-emplooyed for only 3 months. They wanted to see another 3-6 months of income from my business before we proceeded. I will be contacting Bobby in the near future.