What a treat it was to work with John! He did an amazing job of helping me refinance my loan. Not only do his people skills make for an enjoyable process, but he obviously has a great deal of knowledge, experience and confidence in what he does. Also, I appreciated that he always responded to my questions with great patience. Happily I got the amount of cash that I needed with this refi, at a great rate and everything was done with the utmost care and sensitivity to my specific needs. Thanks John!