Dr. James S.

There is a big advantage to refinancing if you have the help of an experienced independent broker.  I started my refinancing effort with my current bank.  I was offered a choice of various refinancing options and I chose one.  I had an excellent credit score, a stable income, and plenty of equity in my home so I thought everything would proceed expeditiously.  Wrong . . . what was supposed to take a month stretched to two and a half months of incessant, redundant and illogical requests from an underwriter.

By then, fortunately for me, interest rates had declined, but my bank refused to reset the interest rate.  So, I hit the reset button myself, did my homework and found Brian Delbenes.  What a difference!  Brian did more than just collect and submit my information.  He was a master guide from beginning to end.  His experience with market interest rate movements helped me pause on the interest rate lock-in until the opportunity was right to lock-in an excellent rate.  He then skillfully steered my application through the process so that the loan was closed within a month.  When the refinancing was done, as a free service to his customer, he submitted my information to establish a new home equity line of credit.

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