I also was very hesitant to refinance my property on-line but Allen made the process very easy. He was able to work with me every step of the way and there were problems that arose more due to the pandemic than anything we had done. Because of home improvements he was able to facilitate our appraisal when we were ready which did not hold up the refinance. Allen is very knowledgeable about the refinance process and even with multiple questions, he was always able to get back to me in a timely fashion, usually within the hour. All in all he took a lot of the stress out of the process and I would highly recommend him.