Sincere thanks to Kenneth Andresen for moving me through a refinance task so smoothly and painlessly. I am older and not that computer savvy and Ken was extremely patient and kind to keep pointing me in the right direction to click on what was needed. All steps in the entire process went as scheduled and promised.  Kenneth was even so kind as to call asking if I needed any additional assistance. In this day and age it is very scary to give out all your personal data that is needed for this process to someone over the phone and Kenneth handled it very professionally and answered all my (repeated) questions. I recommend Royal United Mortgage (in particular Kenneth Andresen) to anyone even just needing answers as Kenneth did not  pressure me or make unnecessary calls to me. I truly felt he had my best interest in mind. My experience could not have gone better! Thank you Kenneth!