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I had the pleasure to work with Ms Laquita Howard to assist me with a mortgage refinance. She was adamant about finding the lowest interest rate to suit my needs. After thoroughly researching lenders she contacted me and told me I could lock in an interest rate of 2.875 percent which is at historic lows. My interest rate was previously 3.5 percent. I decided to reduce my loan from a thirty year term to a twenty five year term with only a $20 increase in principal and interest. I feel really good to be able to snag an interest rate below 3 percent which is practically unheard of. Ms Howard will perform due diligence to ensure her client will receive the best rates along with low closing costs. I would recommend Ms Howard for anyone searching for a lender as she will meet their needs.