Just a few words on the awesome job Tim Mestrich did in handling our re-fi home equity process.  I was told by another lending company I would have to wait a year before I could get a loan because of one late mortgage payment I had on my credit. I took another shot at it with Tim at Royal and he said that he could get something done.  I was skeptical but went ahead with process anyway thinking I had nothing to lose. As we progressed at a fairly rapid pace, I continued to ask Tim, “So what are the chances of us actually getting a loan?”  He assured me that yes it was going to happen and that we had nothing to worry about.  To our joy and disbelief all was approved and the deal was done in what seemed like a couple  weeks.  Tim was by far the best loan/mortgage person I’ve ever dealt with.   Great company!!