just completed my veterans mortgage re-fi through residence first mortgage with arren babayani as my producing mangager. everything turned out as promised. got a lower mortgage (+$200 a month savings) no cost to me, lender paid all costs. got my escrow money back from previous mortgage. got money back that i paid in the new escrow for homeowners insurance. got a diffeent policy (+$800) savings so in told i made about $5600. setlement went smooth as silk and i didn't have to pay one month's mortgage (+$1750).what more can you ask. arren was always there on the phone or e mail to answer my questions and guide me through the process.sincerelyjoseph lee
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