My wife and I recently completed a mortgage refinance with TILA Mortgage. Honestly, I had heard radio commercials for Tila Mortgage and found myself calling them based solely on the information I had gleaned from the various radio broadcasts. I was totally unsure of the outcome and was ready to move on to another company if I had not been immediately helped with my questions. An operator connected me with one of the Tila agents, Ryan Richen. Within a couple of minutes with Ryan, I knew that TILA Mortgage would be a great connection to complete a refinance for our home. In a warm, friendly voice, Ryan asked me several questions to ascertain the best type of refinancing. He was not pushy or aggressive, but instead explained many options that would be available to us. In the end, he outlined one that would work best for us. During that conversation and many that followed, I found Ryan to be knowledgeable, friendly, and courteous. He was able to explain in minute detail all of the components of a refinance . . . such as the advantages of an adjustable cap loan, the best interest rate for us and the protection of a five-year cap. We will be selling our home before the five year period expires. As we moved along in the loan process, Ryan contacted us via email or phone every couple of days to keep us appraised of the progress. He provided his cell number should we have any questions and promptly responded to any of our questions during the application process. During the loan application process, I felt that my wife and I were in the hands of a knowledgeable, competent, mortgage loan specialist . . . simply one of the best.