After being turned down for refinancing before because I didn’t owe enough on my house, I had pretty much given up. My current lender would only modify my loan and would put it back at 30 years.  I contacted Royal United and John Lacy was ready to work for me. He patiently walked me through the process.  There  was a snag on my end which I was having a problem resolving, and in no time he pointed me in the right direction. John went above and beyond to help me through this. In less than 3 weeks I closed. I highly recommend John Lacy and Royal United Mortgage.