PMC is the greatest!! We have been through the mortgage maze several times before, and this was the easiest, most efficient, and supportive process that we have ever experienced. We completed our Refi mortgage today,,, with a great rate, reduced monthly costs, and no up-front points or out of pocket expenses. Amazing!! And...hats off to our broker rep Malcolm Claxton. What a great guy...knowledgeable, courteous, always available to answer our questions. Thank you Malcom and PMC. Look no further...they are the best!!