Chris saved our refi!!! 2020 brought some all time low rates to the housing market, but none of them applied to us because we have a jumbo loan. Many lenders stopped doing jumbo loan refis due to the pandemic and we felt so frustrated not being able to take advantage of the awesome rates that others were getting. I spent months searching for a great refi rate and really wanted to continue with my existing credit union, but their rate was barely a fraction lower than my current rate. I ended up starting the refi process with another credit union in San Diego (I'm in Orange County). Their customer service was HORRIBLE, they never got back to me, it took over a month to get the appraisal report completed, and I was super frustrated. After 65 days with no closing date in sight I withdrew my application from that credit union. I heard about Chris from someone online, and from the first call I knew that I was in the right hands. He was able to lock me in at an insanely low rate on my jumbo loan with ZERO points. He was up front about how long the whole process would take and communicated with me every step of the way. I can't tell you how good it felt to have someone quickly return my call or text. I think open communication was the biggest factor for me and Chris went above and beyond! We had absolutely zero hiccups throughout the whole process. Since everyone was slammed with refi apps in 2020 I knew it would take longer time than usual, but the entire process from start to finish took less than 45 days. 2020 was the year that a lot of things went wrong, but I can tell you that my experience with Chris was so great and was definitely one of the few good things that helped get us through the year. We closed in December and we are now saving about $500/month on our mortgage. THANK YOU CHRIS! read more