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Four things have defined my relationship with Steve over the years. First, he has contacted me 3 times to refinance my home because the rates were better. I didn’t need to keep track of current rates and he initiated the emails. Second, with each refinance I ended up with a great rate, no closing costs and extra money in my pocket. Third, he always comes to my house to sign the paperwork. And fourth, I have given Steve’s name to ~5-10 friends and family, resulting in a big thank you and the following remark — “This deal was way better than I received from anywhere else. Are you sure it is legal?” Thank you

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