Tammy L. Karaba has been incredible, since I first spoke with her back in November of last year 2019. The interest rate was not so good at that time, it was also fire season. Tammy took all my information down, gave me a rough draft and recommended that we should probably wait for the interest rate to drop, hoping for the beginning of 2020. Here comes 2020, Covid-19 with the uncertainty if the house market value was going to drop and thinking we are probably going to have to wait until next year. In July of this year I decided to give Tammy a call to find out if it was a bad time to try to refinance and she said , no its a great time, interest rates are at their lowest. Tammy looked up my information she had already gathered back in November. I was so surprised that she even remembered that I was trying to refinance at the end of last year.
Tammy, has been very supportive in helping and making sure that we had every single item that was needed to move forward with the set fixed rate of 2.75% compared to our current interest rate of 4.0%, this was amazing to hear. Tammy also recommended we download the One Trust home loan app to scan every single item especially during the pandemic, it was very easy to use. I would highly recommend Tammy to family and friends. read more