I just got«saved» by Mike Rice. Just starting a new business and not having great credit made refinancing seem impossible. I was refered to Mike and gave it a shot. He really worked every possible angle to help us out. I think most Mortgage guys want the easy stuff and Mike was the polar opposite. If you are thinking of refinancing, he is the guy to go to. He really helped our financial situation and now we have no more stress. Thanks Mike!