This was the second time Greg and his team took care of our mortgage needs. Five years ago Greg got us a great rate and made the experience a pleasure. My agent had never used Annie Mac and had been a little nervous, but she was wowed with their service; this is someone who has dealt with hundreds of mortgage companies prior. I checked in with Greg a few years ago when rates dipped a little to see if it was a good time to refinance. He explained the pros and cons and put it in terms I could understand never making me feel like the total financial novice I am. It turns out the savings would not have been very much and Greg turned down a payday by looking out for me. Here comes 2020 and rates go down again. I call “My mortgage guy” again and find out it is a GREAT time to refinance. Greg got us an awesome rate (lower than he predicted), a shorter term and I am now going to save thousands (high five digits) in interest and own my home sooner. Sandra was my loan handler; she was fast to respond to any of my questions and kept me updated throughout the process. I plan for this to be the last mortgage I have, but if I ever need another one, there is only one person I would call. Big thanks to Greg and his team!!