We have used Mike Owens to refinance several times. His office is very professional and extremely well-organized. We have never found a rate lower than what Mike can find. He gets us all the information we need to make a good decision and follows through with all the details. I have had him do my parents' refinancing and recommended him many times. The attorney he uses - Darryl Holland - is also very organized and a good communicator. We are always in and out of his office quickly and everything goes smoothly. Makes financing - and refinancing - very easy!