We refied our house in August of 2013 and Brendan's team made it easy! I was worried at first, because I've heard horror stories about refi's, but he made it easy, by communicating step by step what was going to happen. There where no surprises along the way, what he told me from day one is what we end up paying. His rate and closing cost were very competitive. He made it so easy that we barely realized we were going through a refi. HE even went out of his way to help me with some personal finances after we had close. I will recommend him to anyone.