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Lorin did an amazing job. I think 7 negatives came off my credit report and 9 off my wife’s within the first month or two and by the time we were finished he had gotten everything off of both our credit reports with all 3 agencies and our scores both increased from the upper 600’s to the upper 700’s. We refinanced our home and lowered our rate 1.5% without any closing costs. Doors are opening to us that were previously closed. Lorin is worth every penny and delivers what he promises. He calls and emails personally when he needs to get a hold of you for any reason and is a pleasure to work with.