AV Vagehla exceeded my expectations during the refinancing of my home in September ’08. They returned my calls quickly and surprised me with their patience as I tried to find the time to get them what they needed. I certainly was to blame for dragging the process on longer than it should have taken. AV and his team really were a pleasure to do business with, were always helpful, and did not get frustrated with my lapses in memory regarding my part in the process. They simply coached me along without any sense of frustration of my delays and showed understanding to the many work and personal distractions in my life. I would definitely recommend AV Vaghela to anyone who wants a stress-free refinancing process.