Donna,

 When we first spoke I must admit that I just wanted to say, "look I'm
 just too busy to switch mortgages and discuss the changes, then
 actually make the  change". We are all so busy every day that we accept where we are at
 and don't take the time to investigate.

 Well am I glad that we spoke. You took control, did the homework for
 us, explained everything briefly, and in a manner we could understand.
 Then you  executed all aspects of the mortgage change in an extremely
 professional manner.

 At the end of the day we end up with a better mortgage rate, money in
 the bank, and more peace of mind.

 Donna, thank you for all the efforts you put into our mortgage, it is
 sincerely appreciated by Marg and I. Continued success and please
 keep in touch.

 Best Regards,


 Frank