Free: Contests & Raffles.
So you do refis? Electronically as Im no where near you? We are gathering paperwork to get the process started as we speak.
The wife and I have been kicking around doing a Refi for a while. Our land situation is a bit unique and we weren't sure exactly how to go about things. John spent a good amount of time with me over many phone calls, and did a lot of leg work to answer all of the questions I had about our situation. He presented me with a handful of different options and some extremely competitive rates. It was great to work with somebody who really seemed to have our best interest in mind and at no point did he try to push a sale on us or rush us to lock in like some of the other lenders do. Heck of a nice guy too, would recommend!