I would like to give a bid shout out and thank you to Paul Hepner for making my second refinance with him as easy as the first. Paul is one of those people you can count on to do exactly what he tells you he is going to do. It is so nice to work with a person who returns calls and keeps you informed every step of the way. If I have a need to refinance again Paul will be my first call. Thank you so much Paul for all of your help.