I worked with Pat at a different mortgage lender company and had such a great experience with him. When he left, I was transferred to a different lender who was night and day from Pat. I could barely get a question answered and never had any personal conversations with him. When Pat told he he could take me back on at the same rate, it was a no brainer. He got me refinanced in such a quick timeframe and the communication was honest, clear, and so easy. Could not recommend Pat more!