Mike did a great job at helping us through the re-financing process. He was extremely knowledgeable, responsive, and helpful from application through closing. My wife and I are retired and re-financing was not a given. It was of great financial benefit to us to re-finance and Mike worked hard and was a true advocate for our family throughout the entire process. We now have 2 new mortgages at historical low rates and that provides us the financial security we need in our retirement years. He and his team were always available to answer the many questions that we had about how to proceed. Kind, courteous, and helpful. We would recommend Mike and his team to anyone who needs financial services.