A special thank you to Evan Shortridge for his kindness and expertise in handling my refinance. He was fabulous, answering many questions and also having to change the refi plan a couple times as I kept changing my mind about how to go about the refi (terms, money back, consolidation, etc.). I could not have had a better refinance experience. From start to finish, I think it was done in three weeks.  Thank you Royal United, and thank you, Evan!