I just wanted to share with you my experience with Jon Kreinhagen.  I had gone through about 2 lenders with no luck on obtaining a refinance.  The others were asking for money even  before I could apply for refinance. Jon took the time to explain to me the process of refinancing and was so knowledgeable.  He was sincere and down to earth to work with,  it was like I knew him for years.  The loan process happened very fast. I was so excited that Jon was able to get me my 15yr instead of the 30 I had previously. I was so glad that Jon was my Loan officer. He is a great guy and you should be so fortunate that he is working at Royal United.  I will be referring everyone to go with this company and Jon.  Thanks to the Royal United team!