Jim Ellis from Smartline was able to provide me with choices when I needed to refinance my mortgage. The Smartline software could show me many options, however, it was Jim's ability to listen and understand my needs that proved to be the outstanding quality of service. Most people hate filling out paperwork and forms; and here again, Jim took that pain away. Because he is constantly updating his knowledge of what is out there in the marketplace, he was able to get me an extraordinary interest rate that was only available within a 2 week window. I would not hesitate to recommend Jim to close family and friends and therefore anyone needing finance.