Sam was great to work with, he really help us threw the process. Made it so we could understand the process. This stuff is confusing and he really took the time and understanding with all our questions. We had some unexcepted problems threw our process that I was really happy Sam was there for us. Even late at night , many times answering questions and helping us threw it. I heard about Refined leading threw the KFAN group, I would recommend anyone going with these guys for help with your refine/mortgage needs.