My wife and I shopped around for the lowest rate and cost. I found a company with a good offer and she found one with a better offer. That company was Affordable Home Mortgage, and they came through with everything they promised or quoted, We couldn't be happier with the new mortgage rate and payment and the LO showed us a way to payoff the mortgage 7 years faster with the same payment amount. Our LO was West Bart, give him a call we did and now we are saving lots of money each month.