I had a great refinance experience especially with the guidance and help of Marcel. After hearing news of rates getting lower and lower and with the suggestions by others to refi I decided to do it! Going into it I was stressed because I didn't want to look forward to the plenty of paperwork and potential high fees. At first I dealt with online lenders directly but the swarm of calls I received when inquiring turned me off and some of the lenders I talked to didn't respond quickly when they promised. So I decided to look for a broker to have a more streamlined approach. So I found Marcel on Google and contacted him based on the reviews. He is as what the reviews say, 5 stars! Very professional, friendly, and responsive. Whenever I had a question he would respond in timely fashion and he would provide the information I was looking for. The presentation of the documents was very clean and would get updates about the process throughout. Eventually after an exhaustive exploration with Marcel at all my options and getting a lucky favorable market outcome (2020-2021 conventional mortgage increase) I got the deal I was looking for in refinancing! I would say Marcel really made this experience a less stressful one and smooth process. I would definitely recommend to others and strongly vouch for his 5 star reviews!!!