My experiences with Kevin Lyons have been as good as it gets. I have been doing business with him since 2010 and during that time have refinanced my home three times at minimal cost to me. When I first met Kevin my interest rate was 6.5%. I had a 30 yr. fixed loan that I acquired when I purchased my home in 2007, the first 10 years were interest only. Kevin worked wonders. Because I had in excess of $200,000 in equity I was able to pullout $50,000 to remodel and obtain a 4.9% 30 yr fixed loan, P & I. Two more refinances later, Kevin got me down to 3.5%, my payments are lower than they were in the first instance when I was making interest only payments, and he has saved me thousands in interest yearly. When I got my mortage statement for January this morning I felt I just had to express my thanks for the terrific job Kevin has done for me. He has certainly made my financial life a lot easier. Thanks Kevin for everything.