Pros and Cons. There are no Cons. Only Pros. From start to closing. Annika will see you through. She will go to bat for her clients getting them the lowest price and best rate possible. Even if it is just to save you $30.00 per month. Which we all know adds up. On top of that Annika will be there for you even after you receive your loan. Always getting you the best rate by letting you know if a refinance would be beneficial to you, again saving me/you money. If an issues arises, Annika will get resolutionI. I will retain her services for as long as she is in practice and you should too. Thank you Annika for all that you do.