About a year ago, my wife and I were looking to refinance our home (lower our rate and shorten our term) without increasing our loan balance. I contacted my current lender (BOA) about refinancing our loan and they told me it would cost me approximately $5,000. Next, we contacted my wife’s credit union. They were no help either because our loan balance would increase by several thousand dollars. I got a referral for Federal Hill Mortgage and spoke with Tammy. Tammy said we can lower your rate and reduce your term at no cost! I moved forward with Federal Hill and they delivered on what they said they could do. I got a lower interest rate, shortened my term, with virtually no loan increase, and I was able to settle at my house! Excellent follow-up and communication. Great job by Tammy and the folks at Federal Hill Mortgage Company.