5 /5 Paul Fredericks: Tim and his team did an excellent job! Tim spend the time working with me to get at what I hoped for with this refinance in terms of interest rate, cash out, and length of loan. He used his expertise to craft the loan this way. He was available for my questions and very prompt with his responses. His knowledge and experience in the home loan and mortgage business was expansive and insightful. His team followed up quickly with all the documentation that was needed. They pulled this refinance off without a hitch. I would recommend him to anyone who wants an excellent experience with a refinance or a new loan!