C. G. said we could refinance in 29 days and get 3.875% 30 year fixed. She sat with us and gave us a list of paperwork. We didn't get all the list done and she was patient but said we must get everything in and then we could start. I didn't like having to give my bank statements and showing all my deposits but she was calm and explained why. Each day she checked in with us- me by email and my wife by phone and we closed in 27 days with a lower rate of 3.625% on a 30 year. I don't remember why she gave us the better deal, she just told us the notary was coming to our house. C G showed up with the notary and our payments are now $598 a month less than they were.