I can't say enough good things about Mike and his team. They proactively reached out to me with an ideal rate for me to consider a refinance. It is truly unbelievable but this refi (just about 18 months after I bought my home) is going to save me nearly $600 a month! Mike's approach is incredible: he focuses entirely on your success. He never pushes his own agenda, he just works hard to make sure your mortgage fits into your life without forcing you to change how you live it. I highly recommend MSF!