Paul Hepner and his team at Pacific Mountain Capital are the best. Paul Hepner helped us lower our interest rate that lower our monthly payment. Thank you so much for doing our VA IRRL refinance experience so easy. Paul and Lynn, so professional and friendly people. Our communications were awesome, no snags. They walked us though every step all the way to the end of the loan refinance process. As a military veteran, I strongly recommend this company if you are looking for a very trustworthy mortgage broker. Thank you much again.