For a recent refinancing, my husband and I were so glad to discover Maggie Nuguyen. From start to finish she made the transaction smooth and professional, with a much better rate than any of her competitors. The three other banks I was considering ranged from slow to respond to downright dishonest - Maggie was a gem! No high pressure, no changing information, none of the dreaded "mansplaining" - we got the best rate around and she stayed with us from start to finish. As Costco customers, we got a great rate. Go with Maggie! You can't go wrong.