I had heard so many horror stories about refinancing a home that I had put it off for several years. Josh to the rescue! After compiling all of my pertinent information, Josh found a lender, appraiser and submitted paperwork to my secondary lender for subordination. All would have gone smoothly, but in my appraisal they found a construction issue, so back to the drawing board! Josh quickly found a new lender that did not require the physical appraisal and after he re-did the paperwork and subordination paperwork, my re-fi and home equity line of credit were done with NO reduction in my original HELOC. I’m due to make my first new, lower payment July 1st. The monthly reduction was enough to allow me to replace my old car! I’m thrilled with Josh’s integrity, drive and ability to get the job done. I sat back and he figured out the best deal for me. Thanks Josh!!!