We decided to do a cash-out refinance and I contacted a local bank.  I waited a week with no return call. In the meantime, I received a call from Kaley and told her I was working with a local bank and asked her to call me back in a week if I hadn’t heard from them.  After another week went by,  Kaley called me back I decided to put in my application with her. After talking with Kaley getting all my paperwork together,  Drew Colello called me within the hour as Kaley said he would. Drew was the loan officer that I worked with during our refinance process. He was very knowledgeable about this company and took his time explaining every step of the way.  The whole experience started Oct. 2nd, 2018.  We had our closing today Oct. 16th, 2018.  After our closing Drew called to ask how everything went. That alone gave me a smile on my face. A big shoutout to Kaley, Drew, Dustin, and Bobby. You made our refinance experience wonderful.  P.S. After 2 weeks,  I’m still waiting for the big bank to let me know if I have been denied or they want our business.  Thank you Royal United.