We really appreciate you contacting us and actually finding better mortgage rate, and the service was very professional and positive. We tell others that we now have a lower rate and pay slightly less than we did before. I tell others about it, and they seem surprised. Of course, I interject that the reason we got such a good deal is because we don't any debt, except for the mortgage, and we have a high credit score, so we are not a big risk. Don't hesitate to contact us when we can get a better deal!