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Troy is knowledgeable, low-key, timely, informative, and great with details. He made our re-fi experience actually enjoyable. Every step was thoroughly explained, last-minute glitches melted away, and the entire process took a lot less time than we expected. We obtained the cash-out we had hoped for, and consolidated a first mortgage and a HELOC into one loan at a much lower rate than either previous loan. Rating- 5 stars – 100 out of 100. Need we say more?