Gerard, called me within minutes of my answering a quesionaire/ad on the Internet. He was not pushy but friendly and informative, able to come up with the numbers necessary for me to decide if I wanted to refinance. In all communications, Gerard was efficient, responsive, prompt, informed and enthusiastic. He really was a joy to work with. It felt as if I was part of his team and he was the coach, reminding me to get papers in, telling me what was expected next, informing me of costs, appraisals, closing procedures. From 1st contact to closing took about 3 weeks. Bravo!