“We were working on a refi with sights set long-term on buying a new house. Elvin at Ranch & Coast helped us figure out all of the pieces to keep our finances straight for today’s refinance and tomorrow’s house. We’re now saving hundreds a month on our mortgage (even after an expensive refi I’d done less than years ago direct with a bank). And he was able to negotiate a low rate with all costs covered and no points. In fact, we received a check back in the end when the title, escrow and appraisal came in under budget. Customer service was top notch as well. I wouldn’t hesitate to recommend Elvin’s work to friends and we look forward to working with him again.”