Denise Wagner is the epitome of customer service. 11 days (9 business days) after my first meeting with Denise, my cash-out refinance closed!! Denise told me exactly what the loan parameters were, provided a list of items I would need to provide, responded to my questions quickly, submitted my file, and I was closed in 11 days! The team working with Denise were a joy to work with as well. I highly recommend Denise- she makes the process seamless and gets the job done.