I had the opportuniity to re-finance my mortage and wanted to accomplish 4 goals:

1- lower interest rate

2- shorter term

3- lower monthly payment

4- no closing costs

Chris was my mortgage agent. He listened to my needs, investigated all options, and presented me with a package that met all of my goals. Throughout the process, Chris was informative and responsive to my questions. The closing was scheduled at a time and location convinient to me. I would definetely use Chris Graves again and recommend others do the same.