Here’s our story. We are a military family, and I am a retired veteran. We were paying a 3% fixed rate, which is actually pretty good; however, when we refinanced with another company that was under the “veteran” moniker, I felt duped when I found out it was another company that was actually the lender, and they used the “veteran” logo as their DBA (doing-business-as). The customer service was subpar from the other lender, especially when calling for assistance, and not up-to-date with current online technical advancements that our previous company was at that time. (It’s 2021, paper copies are becoming obsolete, and we should see everything online by this time.) This is when we received a call from Pacific Mountain Capital. We heard them out completely. I did my research and noted they were a reputable company to work out our refinancing options with other lenders. We are now at 2.25%, and our goal is to work the Dave Ramsey debt freedom program with our savings. Paul Hepner, Lynn Hepner, and the entire Pacific Mountain team were instrumental in ensuring that this was an easy process to go through. Also, it helps when you receive great customer service to the point of feeling like family, which is a breath of fresh air. It took about a month from the first call to our weekly consultations to the final closing yesterday. It was a seamless process. You can tell they really cared about the process and they gave us true and hard facts on the refinancing because I am a type-A individual where I believe in “trust but verify”. You won’t go wrong with this group of professionals. It was a pleasure working with Paul, Lynn, and the Pacific Mountain Captial team. And, I will just add this one thing, do your always research, but if your gut says go with this team, trust your gut. You won’t go wrong.