Brian, is the best. I’m really happy that I answered your call. You know how excited I was to lower down my interest rate. 2 lenders had told me that my refinance with you will not close because of the impossible rate and so I’m glad to prove them wrong. Thank you so much. I will be contacting you for sure again if I have to buy another home and will definitely refer you to my friends. You, Erika and Teri from escrow company had been very prompt with communication. I cannot emphasize enough how please I am with the whole process. Thank you to all of you.