Michelle was great to work with. Unlike other lenders that tried to bait us with unrealistic lower rates, Michelle was honest and upfront about what we could and also what we shouldn't expect. We advised where we would like our rate to be and Michelle was able to meet our expectations, ultimately locking us in at a rate which was better than her initial quote. She was very responsive to our needs, questions, and phone or e-mail communications. In spite of the stringent housing market we were able to get our REFI done in a very reasonable period of time. I would recommend her to any of my friends.