He, Rob Porter is best of the best! I know him for about 12 years and he did at least 10 mortgages and refinances for me. Every time, I did check mortgage companies and banks, local and on the internet, Rob's offer was always the best. In addition to the 30 years lowest rate, many times I had closing in my house at a convenient time for me. My daughter and many of my friends have excellent experience with Rob.I would suggest to you, call Rob, check his offer to refinance your current mortgage without cost to you and you would be pleasantly surprised.