Working with Charlie Cooper and his team was a real pleasure. We refinanced our house at a lower rate, consolidated another adjacent lot loan, while pulling out some cash to pay for a pool project. Charlie was always on top of things and very knowledgeable, locking in the best rate for us and doing all the leg work while being very pleasant and personable. All the documents were signed electronically with secure DocuSign, and closing was a breeze: the closing fees were all paid for by the refinance, so we walked away at no upfront cost, which was terrific. We could not recommend Charlie and his team any more enthusiastically, we were so pleased.