Initially, I was wary about working out refinancing over the phone with someone from out of state but Pete made the process really simple for us. He worked on our refi despite all the Covid things going on and got us a great rate, closed on time, kept us in the loop on what's going on, and made the whole refinancing go as smoothly as one can hope. Such a refreshing experience after a bad time with a local lender who had us at a higher rate, high out of pocket closing cost, kept extending our close date and terrible communication. Pete was amazing. I'd recommend him to anyone looking for mortgage-related help.