My coworker recommended me to talk to Ngoc Ho, our loan officer. First of all, she was the most patient and knowledgeable person to work with. We have been in contact for about a year now and she’s been helping me keep a look out of current rates. She did not pressure us to refinance if we didn’t feel comfortable which we really appreciated. We finally refinanced and closed today and I can’t be happier with how easy the process was (all thanks to Ngoc). Thank you for picking up all my phone calls for my silly questions and breaking down everything for me! Can’t wait to work with her again!