We just refinanced in January 2014, Tim McNerney and DHM were EXTREMELY HELPFUL. Tim went above and beyond the call of duty to help us achieve our outcome of refinancing for a 15-year mortgage. We had difficulty obtaining the refinance due to a flood insurance conflict, but Tim put us on the right track to resolve the conflict and move forward. We would HIGHLY recommend Tim and DHM to any person looking to refinance or purchase a mortgage. He answered all questions we had fully and comprehensively. We had and overall pleasant experience!