Everything went very smoothly with the loan officers Paul Hepner and his wife Lynn Hepner until the Title Company got involved. Probably because the Title Company was overwhelmed because of the low-interest rates and the Covid-19. The Title Company had made some very big mistakes, and thanks to Paul Hepner and his wife and their due diligence, it was all straightened out. Paul kept me informed daily on the progress. I would recommend them to anyone that wants to get refinanced. It is easy when things go right, but to have someone like Paul and his wife Lynn working for you when it goes wrong is a real blessing. Thank You Very Much, Larry.