RACHEL made it great! She was available every time I needed her. She provided clear answers to all of my many, many questions. She provided very helpful scenarios and advice that were invaluable in my decision making. She taught me not only about mortgages and points, but about the home buying process. And through it all, she did all of this in a timely, friendly, patient manner. She has earned my highest recommendation! I am truly thankful for her!