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1 Best Mortgage Refinance Lenders of December 2022
https://www.nerdwallet.com/best/mortgages/refinance-lenders
NerdWallet's Best Mortgage Refinance Lenders of December 2022 ; Rocket Mortgage, LLC: Best for refi loan options ; Better: Best for digital ...
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2 Best Mortgage Refinance Lenders Of November 2022 - Forbes
https://www.forbes.com/advisor/mortgages/refinance/best-mortgage-refinance-lenders/
Best Mortgage Refinance Lenders Of November 2022 ; Flagstar Bank. Flagstar Bank · 21- to 30-day average ; PNC Bank. PNC Bank · 30-45 days ; Chase.
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3 Best Mortgage Refinance Lenders of November 2022
https://money.usnews.com/loans/mortgages/mortgage-refinance-lenders
Learn how mortgage refinancing works, how to choose the best mortgage refinancing company and how to decide whether a home refinance is right for you.
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4 5 Best Mortgage Refinance Companies of 2022 - SFGATE
https://www.sfgate.com/market/article/best-mortgage-refinance-companies-17317583.php
AmeriSave is one of the best mortgage lenders because it takes customers through the home loan refinance process entirely online for a ...
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5 Best Mortgage Refinance Companies of 2022 - Investopedia
https://www.investopedia.com/best-mortgage-refinance-companies-5092956
Best Mortgage Refinance Companies of 2022 · Best Overall: Quicken Loans (Rocket Mortgage) · Best All-in-One Service: Nationwide Home Loans · Best for Customer ...
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6 The Best Mortgage Refinance Lenders of November 2022
https://www.businessinsider.com/personal-finance/best-mortgage-refinance-lenders
Best overall. Best overall. Quicken Rocket Mortgage Refinance by Quicken Loans ; Best for veterans. Best for veterans. Veterans United Veterans ...
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7 Best Mortgage Refinance Lenders of December 2022
https://www.fool.com/the-ascent/mortgages/best-refinance-lenders/
The Ascent's best mortgage refinance lenders: · Online-only application: Better · Digital experience & down-payment assistance: Guaranteed Rate ...
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8 6 Best Mortgage Refinance Companies of 2022 - LendingTree
https://www.lendingtree.com/home/refinance/best-refinance-lenders/
Rocket Mortgage — Best online refinance experience · Veterans United Mortgage — Best for VA refinancing · CashCall — Best for alternative ...
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9 Best Mortgage Refinance Lenders In 2022 - Bankrate
https://www.bankrate.com/mortgages/best-lenders/refinance-mortgage-lenders/
Summary: Best mortgage refinance lenders. Alliant Credit Union · Flagstar Bank · Guaranteed Rate · Chase Home Lending · Rocket Mortgage. With ...
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10 Who Has the Best Refinance Rates? | 2022 Lender Rankings
https://themortgagereports.com/69718/best-refinance-rates-top-lender-rankings
Lenders with the best refinance rates · New Day Financial: 2.42% · Freedom Mortgage: 2.57% · Village Capital and Investment*: 2.60% · Navy Federal Credit Union*: ...
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11 7 Best Refinance Mortgage Companies in 2022 • Benzinga
https://www.benzinga.com/money/best-refinance-mortgage
Best Refinance Mortgage Companies · 1. Angel Oak Home Loans: Best for Bank Statement Loans · 2. Rocket Mortgage®: Best for Simple Applications · 3. CrossCountry ...
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12 3 Best Mortgage Refinance Companies of November 2022
https://www.credible.com/blog/mortgages/best-refinance-companies/
Best cash-out refinance lenders · Rocket Mortgage · Caliber Home Loans · PenFed Credit Union · SoFi · Guaranteed Rate · Veterans United · Bank of ...
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13 7 Top Lenders for Refinancing Your Mortgage - Experian
https://www.experian.com/blogs/ask-experian/ask-experian/top-lenders-for-refinancing-your-mortgage/
Seven Top Mortgage Refinance Lenders · Better · Bank of America · Fairway Independent Mortgage Corporation · Guild Mortgage · LoanDepot · Quicken ...
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14 Best Mortgage Refinance Companies - LendEDU
https://lendedu.com/blog/best-mortgage-refinance-companies/
LendEDU's 5 Best Mortgage Refinance Companies · 1) Better · 2) New American Funding · 3) loanDepot · 4) Reali · 5) Guaranteed Rate.
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15 Best Mortgage Refinance Companies of 2022 | ConsumerAffairs
https://www.consumeraffairs.com/finance/mortgage-refinancing/
Positive Veterans United reviews praise the company for its competitive loan rates and dedicated loan specialists. The loan team is available to ...
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16 10 Best Mortgage Refinance Lenders | NextAdvisor with TIME
https://time.com/nextadvisor/mortgages/best-mortgage-refinance-lenders/
10 Best Mortgage Refinance Lenders of November 2022 · Cash-Out Refinance · Rate-and-Term Refinance · VA Interest Rate Reduction Refinance Loan ( ...
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17 Better Mortgage: Simple, Online Mortgage
https://better.com/
Buy or refinance your home with Better Mortgage for a seamless online mortgage experience backed by superior customer support.
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18 Rocket Mortgage: Refinance Or Apply For A Mortgage Online
https://www.rocketmortgage.com/
Learn how the Rocket Mortgage process works and get approved online to ... a top-rated real estate agent.3 Our sister company Rocket Homes® makes it easy.
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19 8 Best Mortgage Refinance Companies of ... - Yahoo Money
https://money.yahoo.com/8-best-mortgage-refinance-companies-193917140.html
8 Best Mortgage Refinance Companies of November 2022 · New American Funding · Quicken Loans · AmeriSave · Rocket · Magnolia Bank · Our Top Picks for ...
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20 Best Refinance Company for Home Mortgage in New York
https://mfmbankers.com/loan-products/refinance/
We're one of my best home mortgage refinance companies in NY area offer special refinance ... Refinancing Your Mortgage Can Lead to Savings & Other Benefits.
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21 7 Best Mortgage Refinance Companies - Miami Herald
https://www.miamiherald.com/money/best-mortgage-refinance-companies/
Best Overall. Best for Online Mortgage Refinancing, Best Marketplace, Best for Fast Closing Time ; Rocket, loanDepot, Zillow Home Loans, Better ...
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22 10 Best Phoenix Mortgage Refinance Companies
https://www.expertise.com/az/phoenix/mortgage-refinance
Best Mortgage Refinance Companies in Phoenix · We did the research for you! · PHX Lending · Aaron Lending, LLC · Agave Home Loans · AZ Mortgage Broker · Brightside ...
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23 Best Mortgage Refinance Companies of 2022 (with Reviews)
https://www.retirementliving.com/mortgage-refinance-companies
Best Mortgage Refinance Companies 2022 ; Rocket Mortgage. Great Technology |. Easy online application ; Quicken Loans. Great Application Process |. Interest rate ...
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24 Utah's Best Best Mortgage Refinancing Company
https://altiusmortgage.com/mortgage-refinancing-options-in-utah/
At Altius Mortgage, our team of home loan experts can tell you all about your options and help you determine which one best helps you achieve your refinance ...
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25 2022's Best Mortgage Refinance Companies
https://www.consumersadvocate.org/mortgage-refinance
Best for Flexible Refinancing. PennyMac Loan Services, LLC, simply known as “PennyMac”, is a top national mortgage lender based in Westlake ...
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26 Refinance Your Mortgage - Consumer Reports Magazine
https://www.consumerreports.org/cro/magazine/2012/01/refinance-your-mortgage-again/index.htm
The best candidates for refinancing have regular income, at least 10 to 20 percent equity in their homes, and a FICO credit score of 740 or better.
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27 15 of the best mortgage refinance companies for 2021
https://www.foxbusiness.com/money/some-of-the-best-mortgage-refinance-companies
The best mortgage refinance lenders of 2021 · Caliber Home Loans · JMAC Lending · loanDepot · Quicken Loans · Stearns · United Wholesale Mortgage.
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28 Best Student Loan Refinance Companies of November 2022
https://www.cnbc.com/select/best-student-loan-refinance-companies/
Best overall: SoFi Student Loan Refinancing · Best for fair credit score: Earnest Student Loan Refinancing · Best for having a co-signer: Citizens Bank Student ...
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29 Mortgage Companies in Florida - Reliance Financial
https://reliancefinancial.com/mortgage-companies-in-florida/
Guaranteed Rate is a mortgage firm that offers some of the best rates on home loans and refinancing. This lender has several advantages, including Florida ...
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30 Guaranteed Rate: Mortgages, Loans, Home Buying ...
https://www.rate.com/
Guaranteed Rate assists you with a low cost home purchase, refinance mortgage & fast closings. See why Guaranteed Rate is the best mortgage lender in the ...
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31 Refinance Student Loans: Compare Top 9 Lenders Now
https://studentloanhero.com/featured/5-banks-to-refinance-your-student-loans/
Owned by industry stalwart Navient, Earnest has maintained its innovative student loan solutions since first introducing its refinancing product. The online ...
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32 The Best Mortgage Refinance Companies (2022) | Fortunly
https://fortunly.com/mortgage/best-mortgage-refinance-companies/
Top 7 Mortgage Refinance Lenders for 2022: · Credible - Top lending partners · Quicken Loans - Highly-customizable terms · New American Funding - ...
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33 10 Best Mortgage Refinance Companies of 2022
https://millennialmoney.com/refinance-mortgage-lenders/
Veterans United Mortgage: Best VA Lender; Better.com: Best for No Origination Fees; LoanDepot: Best for Flexible Refinance Loans; Fairway ...
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34 Best Mortgage Refinance Companies of 2022
https://www.goodfinancialcents.com/best-mortgage-refinance-companies/
Quicken Loans: Best Customer Service · Better: Best Competitive Rates · AmeriSave: Best Online Refinance · loanDepot: Best Loan Comparisons · Bank ...
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35 Best Student Loan Refinance Companies In November 2022
https://thecollegeinvestor.com/21558/best-places-refinance-student-loans/
Excellent Places To Refinance Student Loans ...
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36 Best Student Loan Refinance Companies for November 2022
https://www.savingforcollege.com/best-student-loan-refinance-companies
Top Rated ; KeyBank (Laurel Road) · 2.25% – 5.75% ; Citizens Bank · 4.59% – 11.28% ; CU Learn with Thrivent. 3.74% – 8.97% ; LendKey · 3.99% – 10.68%.
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37 The Best Mortgage Refinance Companies of 2022 - Bob Vila
https://www.bobvila.com/articles/best-mortgage-refinance-companies/
Homeowners may be able to save money on—or reduce the length of—their mortgage by refinancing. The best mortgage refinance companies can ...
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38 Best Mortgage Refinance Companies in 2022 - Fit My Money
https://fitmymoney.com/best-mortgage-refinance-companies-in-2022/
Bank of America is one of the best mortgages refinance lenders in the United States. In fact, they are the second-largest home lender in the ...
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39 Best Mortgage Refinance Lenders | November 2022
https://www.supermoney.com/best/mortgage-refinance/
1. New American Funding Mortgage Refinance · Loan options with $0 origination fee. · $0 prepayment fee. · Considers applicants with fair credit. · Offers financing ...
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40 Best Refinance Mortgage Lenders - SmartAsset.com
https://smartasset.com/mortgage/best-refinance-mortgage-lenders
Best Overall Mortgage Refinance Lender: Chase Bank · Wide range of refinance options including VA IRRRL, FHA streamline, cash-out refinances and ...
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41 10 Best Mortgage Refinance Lenders of November 2022
https://www.crediful.com/best-mortgage-refinance-lenders/
The 10 Best Mortgage Refinance Lenders of 2022 · Credible · loanDepot · LendingTree · Rocket Mortgage · New American Funding · SoFi · Guaranteed Rate · Carrington ...
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42 Named a Best Mortgage Refinance Company
https://www.newamericanfunding.com/about/newsroom/named-a-best-mortgage-refinance-company/
New American Funding, a national leader in the mortgage industry, has been recognized as one of the top 13 refinance mortgage companies in ...
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43 Best Auto Loan Refinance Banks of 2022 - The Balance
https://www.thebalancemoney.com/best-banks-for-refinancing-auto-loans-4178024
Best Auto Loan Refinance Banks of 2022 · Best for Great Credit: LightStream · Best for Checking Rates Without Impacting Your Credit: Capital One ...
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44 3 Refinance Mortgages for Bad Credit (Loan Refinancing)
https://www.badcredit.org/how-to/refinance-mortgages-for-bad-credit/
The Best Companies for Mortgage Refinancing · 1. eMortgage · 2. Rocket Mortgage · 3. Quicken Loans ...
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45 Best Mortgage Refinance of 2020
https://myrmcloan.com/2020/01/20/best-mortgage-refinance-of-2020/
If you want to qualify for the lowest mortgage refinance rates of 2020, it's best if you have a credit score above 750. Most mortgage companies ...
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46 Refinancing Scams | The Office of Attorney General Keith Ellison
https://www.ag.state.mn.us/consumer/publications/RefinancingScams.asp
The fraudulent offers may begin with a call from an “under-writer,” who may refer to the homeowner's good payment record, good credit, or current mortgage rate ...
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47 Best Refinance Mortgage Companies 2022 - Top Ten Reviews
https://www.toptenreviews.com/best-refinance-mortgage-companies
Best refinance mortgage companies 2022 ; Best refinance mortgage company. Best refinance mortgage company: Rocket Mortgage ; Best refinance ...
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48 Better Mortgage Reviews 2022 | Credit Karma
https://www.creditkarma.com/reviews/mortgage/single/id/bettermortgage
Better Mortgage could be a solid choice for price-conscious homebuyers who are comfortable without a brick-and-mortar location. Better offers a completely ...
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49 8 Best Student Loan Refinance Companies (Bonus up to $1275)
https://www.studentloanplanner.com/refinance-student-loans/
Some student loan refinance lenders, like Earnest, ELFI, SoFi and Laurel Road offer rates directly. Others, like Credible and LendKey, connect ...
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50 Mortgage Companies & Brokers - WalletHub
https://wallethub.com/mortgage-lenders
Fairway Independent Mortgage Corporation · Geneva Financial · LeaderOne Financial Corporation · GoPrime Mortgage · Cazle Mortgage · Good Day Financial · Movement ...
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51 9 Best Student Loan Refinance Companies – November 2022
https://www.fitbux.com/articles/best-student-loan-refinance-companies/
Best Student Loan Refinance Company By Category ; Best Rates · Earnest ; Best for High DTI Ratios · Earnest ; Best for Lower Credit Scores (sub 700) · Lendkey ...
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52 USA Mortgage | Apply Or Refinance Your Mortgage
https://www.usamortgage.com/
At USA Mortgage, we find the home loan rates that work for you. That's it. ... You don't want a more expensive rate. Or even an okay rate. No, you want the best ...
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53 Mortgage Mike | Utah Mortgages, Refinance & NO-Cost Loans
https://citycreekmortgage.com/
Mortgage Mike and City Creek Mortgage are Utah's #1 Mortgage Broker. Get Your Personalized Mortgage Rate Quote in Seconds, No Hidden Fees and No Hidden ...
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54 Refinance Mortgage Mira Loma, CA
https://jetdirectmortgage.com/refinance-mortgage-mira-loma/
Jet Direct Mortgage is located near Mira Loma, CA & is the top-rated refinance mortgage company. Give us a call at 855-553-4732 today.
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55 How and Why To Refinance Your Mortgage: A Step-By-Step ...
https://clark.com/homes-real-estate/how-to-refinance-mortgage/
If you're itching to be debt-free sooner than you had originally planned, refinancing your mortgage could be a great tool for that.
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56 Mortgage Programs for Refinancing Mobile Homes - eLEND
https://www.elend.com/refinancing-mobile-homes/
eLEND is one of the nation's leading mobile home mortgage lenders and offers ... with refinancing mobile homes or securing the best 15 year fixed mortgage ...
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57 Grand Rapids MI Mortgage Company - Riverbank Finance
https://riverbankfinance.com/mortgage-refinance/Michigan/Grand-Rapids-Mortgage-Company/
Grand Rapids Mortgage Company. Grand Rapids Mortgage Loans. Refinance Mortgage in Grand Rapids MI. Riverbank Finance A Top Grand Rapids Mortgage Company ...
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58 Franklin American Mortgage Company | Home
https://www.franklinamerican.com/
Franklin American Mortgage Company, one of the fastest growing mortgage companies in the United States, specializes in conventional mortgages.
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59 Simplist: Apply for a Mortgage Online | Refinance Mortgage ...
https://www.simplist.com/
Welcome to the award-winning digital mortgage marketplace that helps you shop for the best rate and makes the home purchase or refinance process painless.
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60 9 best Illinois mortgage lenders November 2022 - Finder.com
https://www.finder.com/mortgages/illinois
Compare mortgage lenders ; Rocket Mortgage (NMLS #3030). Rocket Mortgage. Conventional, Jumbo, FHA, VA, Refinance. Available in all states. 620.
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61 13 Best Mortgage Lenders of 2022 - Home Purchase and ...
https://www.moneycrashers.com/best-mortgage-lenders/
Mortgage lender loanDepot specializes in home loans, including purchase loans, refinance loans, and construction loans. The company operates more than 200 ...
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62 When Should You Refinance your Car Loan? - Bank of America
https://www.bankofamerica.com/auto-loans/when-to-refinance-a-car/
Interest rates. If the interest rate you qualify for today is significantly lower than your current loan rate, it may be a good time to refinance a car ...
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63 5 Best Student Loan Refinance Companies
https://www.sacbee.com/money/best-student-loan-refinance/
Our Top Picks for Best Student Loan Refinance Companies · Best Student Loan Marketplace: Credible · Most Affordable Repayment Options for Medical ...
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64 Best Companies To Refinance an Auto Loan With Bad Credit
https://www.marketwatch.com/picks/guides/finance/best-companies-to-refinance-auto-loan-with-bad-credit/
In 2022, the best companies for refinancing an auto loan with bad credit include Bank of America, myAutoloan and Auto Credit Express.
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65 Best Mortgage Refinance Companies - YouTube
https://www.youtube.com/watch?v=va5pxODITGc
Money Reviews
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66 Freedom Mortgage | A Top Mortgage Lender & Servicer
https://www.freedommortgage.com/
We can help you buy a home, get cash from your home's equity, or refinance. We provide exceptional mortgage servicing to more than 1.8 million homeowners!
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67 Home Mortgage Loans & Financing | Wells Fargo
https://www.wellsfargo.com/mortgage/
Wells Fargo Home Mortgage offers competitive rates on a variety of home loan options. Visit Wells Fargo today to check rates and get mortgage financing.
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68 Best Mortgage Lenders of November 2022 | FinanceBuzz
https://financebuzz.com/best-mortgage-lenders
Best for first-time homebuyers: Rocket Mortgage · Best for military members: Navy Federal Credit Union · Best for HELOC or mortgage refinance: ...
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69 Auto Loan Refinancing: Refinance Your Car Loan
https://www.navyfederal.org/loans-cards/auto-loans/auto-refinance-rates.html
Use our Auto Loan Calculator to find the best monthly payment for you. Get Started. Auto Refinance Loan Rates ...
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70 AmeriSave: Low Mortgage Rates & Quick Approvals
https://www.amerisave.com/
At AmeriSave, we know low-rate mortgages and we know customer service. ... types of refinancing options, and discover when it's a good time to refinance.
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71 loanDepot: Mortgage Lender - Home Loan Refinancing
https://www.loandepot.com/
Apply for your mortgage or refinance online with loanDepot. Trust the second largest non-bank lender in the country to provide you with quality mortgage ...
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72 PENNYMAC - National Home Mortgage Lender
https://www.pennymac.com/
Pennymac is a leading national home loan lender and servicer. Enjoy great rates and a quick, painless process when you purchase or refinance your next home.
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73 Your Current Lender Desperately Wants You to Refinance ...
https://selfi.com/why-your-lender-wants-you-to-refinance/
great! At least you know. Studies have shown that getting four quotes on your mortgage refinance will save you $3,000 on the refinance ...
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74 Best Student Loan Refinance Companies [2022 Guide] - Purefy
https://www.purefy.com/best-student-loan-refinance-companies
Find the best student loan refinance company in minutes. See interest rates, eligibility, terms, and more. Get custom rate quotes with no impact to credit.
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75 7 Best Auto Refinance Companies - The Kansas City Star
https://www.kansascity.com/money/best-auto-refinance/
Upstart auto loan refinancing is available in all states except Iowa, Maryland, Nevada and West Virginia. The company currently has a rating of ...
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76 AmeriHome Mortgage
https://www.amerihome.com/
*By refinancing, your total finance charge could be higher over the life of the loan. ©2022 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company.
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77 The Best Cash-Out Refinance Lenders | MoneyUnder30
https://www.moneyunder30.com/best-cash-out-refinance-lenders
In-depth analysis of the best cash-out refinance lenders · Credible · Reali Loans · Ally Bank · Best Cash-Out Refinance Lenders - Ally · Bank of ...
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78 Why Do Mortgage Companies Want You to Refinance So ...
https://www.thetruthaboutmortgage.com/why-do-mortgage-companies-want-you-to-refinance-so-badly/
Tip: Don't be discouraged if your current lender isn't interesting in refinancing your loan, shop around instead and you might find a better ...
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79 One of the Best Mortgage Refinance Companies in Louisville
https://americanmortgage.com/blog/2021/11/17/one-of-the-best-mortgage-refinance-companies-in-lousiville
Expertise.com scored 305 Mortgage Refinance Companies in Louuisville, KY and picked the top 15. American Mortgage Service Company was one of ...
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80 CrossCountry Mortgage | Your Home Loan Destination
https://crosscountrymortgage.com/
Compare home mortgage loan options to buy a home or refinance your mortgage. Apply online now to get started with CrossCountry ...
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81 RoundPoint Mortgage: Feel at Home with Your Mortgage
https://www.roundpointmortgage.com/
RoundPoint Mortgage Servicing Corporation - Feel at Home with Your Mortgage. Work with a Loan Advisor to Purchase, Refinance, or pursue a Reverse Mortgage.
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82 Home loans: Refinance or apply for a mortgage | Chase.com
https://www.chase.com/personal/mortgage
Whether you're looking to get a home loan, refinance a mortgage or access your home's equity, we've got all the tools and resources you need to get started.
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83 10 Best Mortgage Refinance Companies in 2022
https://wellkeptwallet.com/best-mortgage-refinance-companies/
10 Best Mortgage Refinance Companies · 1. Veterans United Home Loans · 2. NBKC Bank · 3. Better.com · 4. LenderFi · 5. AmeriSave · 6. LoanDepot · 7.
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84 Find a Mortgage Broker/Lender to Start Your Home Journey
https://www.zillow.com/mortgages/
The best lender for you will provide the type of loan you're looking for, whether purchase loan, refinance loan or HELOC, and they'll offer competitive ...
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85 Mr. Cooper - Your Home Loans & Refinance Partner
https://www.mrcooper.com/
Rate/APR. Mortgage Type. 6.125% / 6.358%. 30 Year Fixed. 5.490% / 5.897%. 15 Year ...
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86 Home Loans & Mortgage Calculators - Regions
https://www.regions.com/personal-banking/mortgage
Home Loan Resource Center. Every path to a home purchase or refinance is different. We're here to help with calculators, tips, guides and more.
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87 Citizens | Personal & Business Banking, Student Loans ...
https://www.citizensbank.com/HomePage.aspx
Good things come to those who wait. ... Best if... If you are looking for a simple solution for everyday banking. ... Education Refinance Loan.
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88 LendingClub | Online Personal Loans at Great Rates
https://www.lendingclub.com/

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89 Home Mortgage Loans and Services: Get Pre-Approved - Truist
https://www.truist.com/mortgage
Truist offers a variety of home loan options, competitive rates, online calculators, and support when buying, building, or refinancing your home.
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90 Current Refinance Rates on Nov. 25, 2022: Rates Tick Lower
https://www.cnet.com/personal-finance/mortgages/current-refinance-rates-on-nov-25-2022-rates-tick-lower/
If you haven't locked in a rate yet, now's a good time to assess your ... Like mortgage rates, refinance rates fluctuate on a daily basis.
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91 SoFi: Bank, Borrow, and Invest—All in One Finance App
https://www.sofi.com/
Better banking is here— sign up and get up to $250. ... Mortgage Loans. Buy or refinance your home ... Auto Loan Refinancing. Compare auto loan refi rates ...
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92 Credit Union of Texas | Better Banking, Auto Loans, Mortgage ...
https://www.cutx.org/
Checking accounts with perks you won't find at a bank. The best rates on mortgages, auto loans, refinancing, & more. We're banking with a purpose at CUTX.
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93 Great Southern Bank — Banking Services, Mortgage and Auto ...
https://www.greatsouthernbank.com/
Great Southern's mission is to build winning relationships with its customers, associates, shareholders and communities. On any given day, we are hard at ...
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94 Caliber Home Loans; A Private, National Mortgage Lender
https://www.caliberhomeloans.com/
... buying or refinancing your dream home with one of our Loan Consultants. ... today's mortgage rates. ... Shannon and Emily were great to deal with.
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