Tim McNerney is outstanding!! I was looking to refinance my house, roll credit card debit into the new loan, eliminate mortgage insurance and remove the co-signer from a previous refinance. Tim enabled me to accomplish ALL of these goals. His responses were quick and thorough. He was attentive to all the details. His patience and perseverance were apparent throughout the whole process. I would HIGHLY recommend Tim. He is definitely five stars in my opinion.