Hi Blake,

Things were so crazy toward the end of our refi that I'm not sure I properly thanked you for all of the hard work and extra effort you put in. I'm sorry it wasn't a pleasant experience at times. It's difficult to learn and understand everything in your business so quickly. Refinancing is such a major life decision, so thank you!

What you did for us was quite remarkable. Even though the loan-to-value ratio of our home was almost 90%, you were able to reduce our interest rate by 1.625% and save us more than $700 monthly--without mortgage insurance having to be paid.

Furthermore, the appraisal appeal you wrote was brilliant. By getting our home's appraisal value increased $10,000, you saved us about $8,400 out-of-pocket, which is what we would have had to pay to reduce our loan balance so our loan could have been done at the original value.

What was truly impressive, though, was that we didn't ask you to do this. You just took it upon yourself to do it because you cared deeply about our finances, and didn't believe the original appraised value was accurate. As it turned out, thankfully, the appraiser agreed with you and increased the value. I seriously doubt that many, if any, loan officers would have taken the initiative that you did for their clients given the same circumstances.

Thank you again, Blake, for all that you did for us. We'll be certain to recommend you to everyone we know who is in need of a mortgage loan.