I initially worked with Lori and her team back in 2019 when I bought a house in Sacramento. I have since worked with her 3 additional times. The most recent was this week to refinance my personal residence with cash out for some improvements. Everyone on her team is great to work with. The team works with various lenders so they will find the lowest possible rate. For example, when I bought the house, the rate was 3.99%, I refinanced 1 year later with a 3.28% rate. I recently needed to refinance again with cash out and the rate is 3.136%. I highly recommended everyone who is process of buying a house or refinancing the mortgage to work with Lori Hawkins team. I definitely look forward to work with the team in the near future.