It was dumb luck that I answered to letter in the mail referencing doing a ReFi. Kristi happened to be the one that answered the phone. Within a few minutes of conversation, she said she'd been doing this a long time and was sure she could get it done. As a self employed business, those refis are the hardest. We had tried 4 other times with different lenders, over 2 years, who all said the same thing but to no avail. After 4 previous ties, I knew this was going to be a true test of willpower. None-the-less, I took a gamble, decided to invest in the time and work, and we started. It took over a month with one more thing needed each day and a number of times I decided to just quit but Kristi convinced me to hang in there. She responded to messages and information at all hours of the day. Does the woman ever sleep? The amount of documentation required is not for the feint of heart. If you don't have absolutely everything at your fingertips and you're not a Triple A rated person (we are) and don't have the patience of Job and the fortitude of Zuess, forget it. But, Kristi kept saying she was making progress and the underwriters were gonna go on her recommendation and work. Eventually it all came together. We shaved a few points off our previous mortgage and are with a top flight lender. We'll save a ton of money over the length of the loan. If it hadn't been for Kisti, I don't think we 'd have ever gotten there. I've never met her and probably never will, but each day, I look up and give thanks that she happened to pick up the phone when I called. Nice job! We'll certainly hand out her cards.