Nick Cliff was an excellant person to deal with. He made this whole process painless. He explained issues to us in laymans' terms which were so easy to understand. Nick worked for us to get us the best program for our needs, which was greatly appreciated. Having the closing at our house was wonderful and quick. The person was in and out in 25 minutes. The paper work was perfect. I have never experienced such an effortless process on our part to have a re-financing done. I have already told my family and friends about Quiken Loans. We would absolutely use Nick Cliff again for our future needs. Thank you so much.