My wife and I had a very challenging refinance due to some employment changes. My wife left her position to focus on raising our son and we were obligated to refinance a partial mortgage that was provided by her employer. I had recently started as a contractor and did not have 2 years of tax returns as self-employed. After getting shot down from some several lenders, we were referred to Ken. After 1 meeting he knew which options to go after and which had the highest chance of success. He regularly kept us informed of the status and helped us get through the stacks of paper work and a myriad of requests from the underwriters. It was not a quick process but that was due to our special circumstances and no fault of Ken's. He kept slogging away and kept the whole thing moving. Without someone with Ken's special mix of knowledge, skill, and determination we would be lost.