What can we say about LT except that she is a rock star. We are members of the credit union, and when the front lobby staff told us the had "the best" mortgage person, we thought, "sure, everyone probably says that about their own staff". However, they were so right. We used LT to refinance one of our rental properties, and then buy a home for ourselves. She's on top of things, stays in good and frequent communication, and keeps clear lists of things she needs to do and documents we needed to provide. She also worked with our lower than 20% down payment situation, which is challenging in the Seattle market, where you can be competing with all cash offers. We will definitely go back to LT if we ever need to buy again, or refinance.