Greg gave me the exact information I needed to make an informed the decision. The interesting thing is that I wasn't even getting my loan through him. I started halfway through the process with another provider when I met Greg. Through this process I looked to him as a trusted advisor. I felt much more comortable and confident in talking with Greg than anyone I met in my refinance effort. In fact I think 20 minutes of talking with him pretty much equaled about 2.5 weeks of working with my existing servicer and about 1 month of research on my own. He was very patient and thorough in explaining things to me and followed up with me on several occasions. I am definitely going to continue working with Greg on any mortgage related matters in the future.