As interest rates are getting lower nowadays I decided to search out refinancing options for my current loan. I contacted Everett from Smart Money and he was very quick in responding all of my questions that I had. Everett really took his time to help to explain all the details regarding the refinance loan and whatever that I did not understood, (which was quite a lot) Everett walked me through every step of the way to ensure that I knew exactly what I was doing. Bottom line is that Everett’s customer service was superb! He was even helping me out on his days off to ensure that I gathered the correct documentations for my loan request. I highly recommend Everett for all your home loan needs!