I just wanted to let you know. That Royal United has a fine young man working for you all named Zach Lytle. Zach was my loan advisor and he was with me every step of the way. He was very courteous and spoke with me honestly through each step of the loan process. I was a little skeptical of getting a mortgage refinance over the computer online. Since I had already been turned down by my local credit union where I applied in person back in November of 2016. After filling out the lending tree form online. I had a call from Royal United within minutes. Needless to say, the entire process went very smoothly and I was closing on my mortgage within three weeks. We could have got it done sooner but we had a death in the family and I had to delay the appraisal by 5 days. The bottom line is I am saving about $125 a month for the next 15 years and was also able to pull approx. $7,000 for some projects that I want to get done. Thank you to Zach and Royal United for making this possible for me and my family. God bless you all.