Absolutely love Elva Wormley. I was not able to "lock in" a lower percentage, because I did not reply to the email soon enough (work night shift and I do not have a smart phone), but Elva worked to keep it as low as we could the following day so that I would not be outdone with the monthly payments. Elva is still approachable with questions and concerns, now three years later, which I think is stellar. And every now and then I will send her a message to inquire about the rates and if they are going down or up, and/or if I could qualify to refinance lower or not. She always responds promptly. Very professional, and courteous.
Thank you so much for your help, Elva!