In July 2011, I engaged Tammy Switzer to help me refinance my home in Edgewater, MD. There were many complex issues we had to deal with. Tammy was instrumental in helping us obtain a valid appraisal. She also walked my wife and me through all of the information to refinance in today’s complex mortgage market. Tammy was able to direct us to the best deal at the time. Although the demands of time and detail were sometimes exasperating, Tammy guided us through the process with knowledge and patience. We are indebted to her for getting us the best refinancing terms during those troubling times.