Andy realized after a few minutes of our first conversation that he was probably not going to be able to improve on the terms of my existing mortgage. He still took the time to answer all my mortgage questions – questions I have never been able to get precise answers to. Although we are unable to do business at this time, I will refer my friends and relatives to Andy. I was left with the feeling that I could contact Andy at any time for no obligation professional advice. Dr. Philip Little Wate...