After talking to a few banks it got all too hard I thought refinancing would not work me. But a friend put me on to What If We Finance and well did I get it wrong!Spiro came to my home and patiently explained the process to me, gave me a number of options and did all the work for me. I now have a great deal and I am saving money. No question was too hard and everything happened quickly which is what I like best. I will definitely be using his services again.