Tammy did the refinancing for my home. I was a little nervous about all of the complicated paperwork but Tammy was incredibly supportive and totally professional. Not only that, but she watched the market for me and when she saw an opportunity for me to refinance again a few years later at an even better rate, she called me and we worked out the lower rate. Tammy is not simply a professional in all aspects of her work, she is a kind and thoughtful person who takes the time to truly care about her clients. She made me feel so comfortable in the process of the refinancing by sharing all of the information in a gentle and kind manner… I love the way that Tammy takes the time to get to know you as a person. Tammy is such a lovely human being that I feel as if I also made a friend in the process. I recommend her to all of my friends whenever someone is thinking of buying a home or refinancing their home. On a scale of 1-10, I would give Tammy a 20!!!!