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"Overall we were extremely satisfied with the excellent service we received from Harvey. We have refinanced our home several times in the past & have never received service of this nature. We felt we were very well informed & that Harvey did an excellent job explaining all aspects of the refinance procedure to us. We were also very pleased with the prompt closing." Aaron & Carrie Kornegor, St. Charles, MN "Thanks for your help in refinancing our mortgage. We appreciate the help you were able to give us and how quickly you accomplished it. We did the refinance at a time when appraisers and mortgage companies were very busy, yet you worked to make it happen faster than we might have otherwise expected. Also, we were uncertain over the summer whether the reduction in our interest rate was worthwhile. You monitored the changing rates and kept us informed when the rates came down even more, thereby allowing us to go ahead. " Dan & Stacy Edwards, Rochester, MN "We wanted to write a quick note to thank you for your helping us finance our home. We were uncertain exactly how to go about it. The idea of going through the whole mortgage financing process was a little bit intimidating. Then, we wondered, how do we find someone we could trust? We are fortunate that we found you to help us through it all. We felt comfortable that we could trust your advice. Beginning with our initial meeting in December of last year through August when we actually moved in, you helped us make the right decisions. You showed us various loan options, you helped us avoid paying mortgage insurance even with a 5% down payment, and you made the process go smoothly all the way. You helped make a complicated process easy for us. You took the time to answer our questions and clarified our best options. Then, even after we moved into our house, you continued to answer additional questions we had. Most importantly, 3 months after we moved in, we also met for your complimentary debt elimination analysis, where we learned how to pay off our mortgage and all our other debts in about 8 years, on our current income! After we moved in, when most mortgage people might have forgotten us, you’ve still been helping us. We are extremely pleased with the whole process and we would recommend you to others!" Steve and Emily Rundquist, Sauk Rapids, MN "We want to take an opportunity to thank you for the refinance of our mortgage that you just completed for us. This was the third time you have helped us with financing in the last 18 months. Each time you helped us choose the best loan option and kept our cost as low as possible. When we first purchased our current home, you told us about the “No Closing Cost” option that allowed us to buy our home without paying closing costs. Because of this, when the interest rates went down about .5 percent 11 months later, we were able to refinance again, also with no closing costs! Now on our most recent refinance, we reduced our interest rate another 1.5% -- and we only paid the closing costs this one time! As you explained to us, this is exactly how the “No Closing Cost” option is supposed to work. Harvey, with your advice you saved us over $5000 on our mortgages. Thank you so much!" Steve & Ann Lansing, Rochester, MN
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