I was apprehensive about using an out of town service for my refinance especially since I had connections within the local market that I thought could provide the best rate and service. I took the chance because Ryan offered they best rate and I was extremely impressed by the service. Ryan was great! He always had the answer for me, responded immediately no matter what time or day of the week and he was very patient as he walked us through the closing process. I highly recommend him and I am thankful for his service. He is a first class pro!