Royal United Mortgage  has surpassed my expectations of “online re-finance”.  Besides getting a really great rate and terms for our refi, the thing that I loved was the follow-up. Tim Mestrich was spot on the best sales/agent contact I’ve ever had. He kept me up to date on everything that was taking place. Tim outlined our steps towards the signing day. I was never in the dark about anything at anytime. The “Plus Factor” with my interaction with Royal United Mortgage was the absolute friendliness of their staff. Everyone I talked to was extremely courteous. Extremely courteous.  Extremely courteous.  So, Thank You to Tim Mestrich and the rest of Royal United Mortgage for a job well done. We closed our refi very quickly. The whole process was ultra painless and stress free. Our whole process began with receiving multiple phone calls with follow up after follow up by different individuals from Royal United to make sure everything is handled. So, get ready for phone calls very regular at first, and remember, they are just trying to make sure all the bases are covered and your process is moving along without hang ups.   A+ rating Royal United!!! I highly recommend you!!