Ramon called me within 5 minutes of my inquiry through Zillow and we started the process immediately. The process took a while as we actually ended up refinancing our home twice as rates dropped and he also helped refinance a condo we own as an investment. However, Ramon was always very responsive and delivered on all of his promises. He got us great rates on both properties with minimal closing costs.He and Tracy were great to work with throughout the whole process and I would highly recommend them to others. If rates drop even further, I will definitely be contacting them again.