We've used Competitive Mortgage 3 times in the 5 years since we became homeowners. Once to close on our house and twice to refinance for a better rate. We've been really pleased each time. They consistently find us the lowest interest rate available. We've referred countless friends and acquaintances to them, too. We've always worked with John and he's a really friendly and great guy. I almost feel like he's a family friend at this point.