Thank you Royal United Mortgage. We are so pleased with our new mortgage. We accomplished 3 things with this mortgage, lower interest rate, removed FHA insurance, reduced the term 10 years. WOW! Thank you Andrew Collelo our loan officer who told us straight on everything. There was not one hitch; Andrew was there all the way. His communication was constant and nothing he said was untrue. We are so impressed and blessed. Thank you.