Mr. Patrick Lane and Royal United Mortgage did an excellent job with my home and rental property refi .  Mr. Lane listened to my request to shorten the years on my mortgages and came up with a plan that shortened them by 9 years with no increase in the  monthly payments. He efficiently arranged for the appraisal, organized everything for a smooth closing  even though we experienced horrible weather.  He was always  available and answered  all my questions thoroughly. I have been through 7 mortgages in my 60+ years, and this one by far as been the easiest. I would recommend Mr. Lane and United Mortgage to anyone seeking to purchase  a home  or business.