"How did you manage to get ahold of a loan officer at 9:30 at night on a Thursday?"
The question came in over text, so I couldn't tell the degree of incredulousness in Loverboy's tone.
"I dunno. I know people, and for some reason, they seem to like me."
That was late August of 2018. And that's all it took to refinance my house. Well, ok. Obviously there was more than that. But the hassle of shopping around for the right company, the reasonable rates, the type of loan that fits my needs, reflected my well earned 823 FICO score, and the right team to work with was quite simple, actually.