Jay, Everything is great and thank you so much for helping me re-finance my home….you made it work for me when everyone else would either not return my calls or tell me I could not re-finance. You are a true professional and as you were able to tell from my records I have re-financed several times and no one has ever made it as easy as you did and your follow up with me was excellent. I will certainly refer you to anyone I know that is looking to refinance. I am so glad that I heard the Brightpath commercial on our local WTOP radio station and made the call to you. Hope you have a great holiday also. Best Regards