I was always skeptical about re-financing, borrowing more and saving just didn't seem correct. I tried the Lending Tree approach and Prospect Financial contacted me. Andrew Hovey was the expert assigned to me. He had all the answers I asked, made everything easy, scheduled the Notary to come, everything. And all through email contact. It was easy and at "my" convenience. Prospect Financial had the best rate from any that had contacted me (8) I would definitely refer anyone to Andrew Hovey and Prospect Financial.