From the beginning to my closing I had access to Tiffany Russell for any questions I had.  She was eager to help no matter how silly my inquiry might have been.  She always made herself available. She also spoke with my daughter regarding my refinancing as she had worked in the mortgage department for Wells Fargo for years.  All of her questions were satisfied and she gave me the okay to proceed.  I was very glad that Tiffany was willing to do this without hesitation. I am glad that we were able to get the whole process done in a timely manner and my stress was relieved so soon.  It has been a pleasant experience. I would recommend Royal United Mortgage for anyone looking to refinance in a short period of time.  Although my percentage rate increased a bit, my payment went down so I have more money each month to work with. Thank you for everything you have done regarding this refinance.