Mike Arvold and his team were fantastic to work with. Mike is very friendly and works efficiently to deliver exactly what you want/need. He beat the refinance rates being offers by my credit union by a mile. His team provided a tech-savvy approach to completing and submitting the paperwork, which made it much easier than other banks I have worked with in the past. They even sent someone to my house for the final closing, which was incredibly convenient. I will absolutely choose Mike and his team for any future loans.