“Well, I closed on the refinance this morning. Here are my thoughts… This was a cash-out refinance. Those are hard to do. I applied for the loan on a stated income. Those are hard to do. I am self-employed, with a mixed bag of companies and work history. That makes the closing hard to do. Due to the subprime meltdown, this is the hardest time in history to get a loan anywhere. You got me closed in three weeks! My hat goes off to you and your team. Thanks for all your hard work!”