My only problem was getting spammed with mail about these “great refinancing” rates. This was naturally confusing to me, as I’d just purchased my home in August. All it took was one phone call to Jarred asking why I was getting bombarded with these and he simply looked up that I WAS eligible to refinance to decrease my interest rate by a TON! Jarred was very informative and patient with all of my questions, and made everything really easy. Now my mortgage is at a much lower interest rate and a lower monthly payment!