I knew I wanted a no-hassle refinance of my current 30-year fixed underwater mortgage, and I knew James was just the person to handle the job. I only had a couple of (tough) conditions, and that was I wanted to be as hands-off as possible, with James doing all the heavy lifting, and no money out of pocket. I can say without a doubt that James followed through on his end of the deal, and handled the refinance from the very beginning until the very end, asking along the way for the pertinent paperwork, and keeping me informed as to the status every step along the way. My rate even dropped after the original paperwork was signed, and he passed the savings along to me. You have to appreciate that sort of honesty. He was able to arrange the lawyer referral for me, and the closing took place at my home. It truly was a hassle-free experience. James' professionalism is second to none. He knows his business top to bottom, treats his customers with the utmost kindness and respect. He made himself available to me for questions I had after-hours, and on days he was not available, he put me in touch with his superior immediately. I truly appreciate everything James did for me during this process. Most people (myself included) look at a refinance or purchase of a home as a long, exhausting, stressful process. Given his knowledge of the business and his professionalism, James is able to take these situations in stride and make the customer as comfortable as possible. I never thought it would be so easy to knock my mortgage down HUNDREDS per month, but he made it possible. James, I cannot THANK YOU enough!