We purchased our house a couple years ago and unfortunately had to pay PMI or accept a higher interest rate. We went with the higher interest rate. Fortunately our house went up in value and we contacted our original mortgage company for a refinance but were surprised at the costs for the loan. We then contacted Jevon Hobbiebrunken at Grander Home Loans. He was by far the most honest and efficient loan officer we have ever dealt with. He kept us informed throughout the process which went flawlessly. Everything he said he would do he did, and more. Whatever you do, give him a call if you are looking for a home loan or refinance, you won't regret it. Thanks agai Jevon.