Miss Ganas made refinancing a simple and easy task, I've gotten a few home loans and done a few refinances in my day, but this believe it or not was a breeze. Miss Ganas sent a list of what I needed to come up with, once she received, she sent a worksheet with projected payments, fees and answered every question line by line. All though i never met Miss Ganas in person, ( which is too bad because she looks sweet in her photo )She was a pleasure to work with on the phone. Thanks again, i would do it all over with her.