Craig was recommended by a virtual stranger but I thought “why not make a call….. Can’t do any harm”. He has been friendly, knowledgeable, honest, easy to talk to and so very patient from beginning to end. Craig was able to arrange my refinancing to the same end BUT the new loower rate will leave me extra money in my pocket. So very glad I made that call!! Thank you Craig. It was a pleasure doing business with you 😃