I was moving along with my refinance with a lender that I thought got me a really good rate, until i recieved a much better offer from Pacific Mountain. At first i was skeptical with the rate they were offering me because i have been bombarded with calls from other lenders that didnt pull through with what Pacific Mountain offered me. But i decided to give them a try and boy, was i ever so glad i did!! Not only did Paul give me the best rate but Paul and his team were very helpful by explaining the process and a day before closing went over the documents line by line and made it easy to understand!! If you have a lender already and have a rate by all means give Pacific Mountain a call!! There was no pressuring and were very up front with everything!! I wish I would have known about Pacific Mountain when I refinanced my home awhile back!! But believe me, Pacific Mountain is my to go lenders and will refer them to anyone that asks!! Thanks again Pacific Mountain!! You saved me alot of money!!! Hope rates will go down some more so we can do it again!!!