The closing like everything else in this process was efficient, easy, and painless. It’s seems like only yesterday we were sitting in the branch to get started on an equity line without a clue as to what we really needed or wanted, when you stepped in and got us pointed us in the right direction. Not only did you lay out the available options, but you put the relevant parts of our financial picture together which helped us determine what made the most sense. This transaction was a huge milestone for us in many regards. In the end we got a great rate, eliminated a significant amount of more costly debt, significantly reduced our monthly expenditures, and put cash in the bank that will help us complete ongoing improvement projects. I imagine this will improve our credit reports as we have much fewer open accounts as evidenced by the thinned down monthly payables folder. I’m sure there are other aspects we have yet to consider that will improve the quality of life for this family. Thanks, so much to you especially, and to your team for helping us get this done. - Russ and Amy