We used Stewardship for a home refinance for two different homes in the past two years. Brian was great through the whole process, explaining things clearly each step of the way. Stewardship takes a fixed commission for the loans and return any of the loan incentives back to us, as well as roll most of the fees into the loan so that we were able to get a lower monthly payment on our mortgage without a large upfront out-of-pocket cost to us. Any way that you want to do it, Brian is very flexible and will lay out all the options so you can make an informed decision. We would not hesitate to recommend Stewardship Mortgage for any mortgage financing and plan to use them again!