Chris helped us for a refinance two years ago, and we liked his professional standards in handling all the documents properly and informed us every step of the processes in detailed. Four months ago, we were considering changing the mortgage down to 15 years. We checked out several mortgage providers. Some with good rates but slow in responses, some without enough working knowledge, etc. I am not a patient guy, so I asked Chris to help again. He put my interest first and provided me different options with his comments in timing and benefits. I trust his quality of service, so I turned down the other offers and decided to stay with Chris. We have just completed a refinance with Chris again last month. He is one of the best in this field and we are very pleased with his service.