My wife and I decided to refinance our home to lower our interest rate. A friend referred us to Julie at CharterWest, She jumped right on getting us locked into a lower interest-rate. The whole process was very painless. I don’t think it took even a month. We just closed a couple days ago, everything went great. We lowered our payments and lowered our interest-rate. Couldn’t be happier. Would recommend CharterWest and her again to anyone.