Zac Cooper and his team of professionals at Tabor Mortgage were extremely helpful and patient with me the entire way. I started my home refinance options in January of 2021 with no luck from "Big Box Lenders." Although my credit score was decent, my debt-to-income ratios and the fact of child support/alimony obligations caused them to shut me down. I was referred to Zac Cooper at Tabor and inquired about a consultation in February. Zac called me on a Sunday afternoon just to chat. I was surprised. He took time on that Sunday just to listen. He listened to my situation and I felt no pressure. I was coming off a divorce, transitioning from Active Duty Military to Veteran status, new job, debt sky high, and a home trashed in bad need of repairs from a previous rental. The repairs were going to take me 6 months. I figured there is no way. Zac was honest with me up front. He discussed options with me and followed up weekly with a phone call . I had questions along the way even in the evening on a drive home from work. Zac always answered or called me right back. The team was able to quickly process everything and I even received frequent updates on what stage of the refi we were in. I was able to fix up the home and then utilize a cash out VA home loan to pay off my debt, receive cash at the end, and have a mortgage payment that was less expensive than the original! I would recommend anyone to Zac Cooper at Tabor Mortgage!