I refinanced my house in March 2017 and today we closed refinancing my sons condo as well. I researched and spoke with lots before I got to him. He is a show stopper knows his craft however, above everything what makes him special? He cares! About you, your deal, your life you name it. Listens and delivers. I was happy enough on my first deal I brought my son on the second. That tells the story. Thank you Bret.