Dear Eddie, I would like to personally thank you for your help in arranging the refinance of our home we built in St. James City. You not only delivered the loan in a timely manner, but you provided counseling service as well, which was greatly appreciated. With the state of the economy, getting a bank or mortgage company to refinance our home was a very difficult process, starting with a construction loan that was denied on the scheduled day of closing because of a mortgage officer not doing her job correctly and then came the bank that sent an out of town appraiser who came back with a ridiculous and insultingly low appraisal. My problem was solved when I received an email from you and First Florida Financial Group, LLC. From that point on, it was smooth sailing. From beginning the application to closing the loan, it was a breeze. You are a pleasure to work with, highly professional and I would happily recommend you to fellow Realtors and buyers.