Brian Ream let me know there was a possibility I could save by refinancing -no pressure and quick feedback on what was possible. He answered all my questions right away, and I ended up saving over $200 per month on my mortgage! The whole process was painless, and I was able to do everything from my home except the final signing. While saving was good, the thing I liked the most was the complete transparency concerning the transaction. Fantastic! Thanks so much Brian!