PAINLESS QUICK EASY Those are the best words I have to describe working with On Q Financial and the Shane Miller team. I purchased a house in 2016 and they helped me then. The interest rates dropped so low that I refinanced it now (2021). I don't believe I'll ever have a need to use anybody else when it comes to my financial needs with housing. Do yourself a favor and give them a try... it was actually a very pleasant experience!