We first worked with Tammy in 2005 when we purchased our house. She was so helpful and knowledgeable on how we should go about our loan. Since then, Tammy has helped my parents by their condo and helped us with our refinance. Tammy is not only knowledgeable, but she is honest and that is very rare these days. Working with Tammy during this process makes it less stressful, and you know you are getting the facts. I dare say she is one of the best in the business!