Thanks a lot!! Raul and Emily were extremely helpful throughout the process!! They suggested the best options possible. The refinancing with Competitive Home Lending was very easy and very professional. All the required documentation were requested upfront and never had to interrupt us frequently for additional documentation. The loan was processed within time and closing was done as we expected. No hidden charges or extras. Really loved the experience and would strongly recommend them for any new loans or for refinance. Thanks again Emily and Raul for all the help!!