I tried to refinance my loan before under Harp, and Harp2 before. Each time the broker could not find a lender to take the loan. Once Thai got involved, he was actually able to describe to me the reason lenders were not taking the loan. It had reduced PMI that no lender was required to take under HARP. Thai presented the options available to me, and left it up to me to decide. The professionalism, and willing to explain in detail the loan process every step of the way made this the best mortgage experience I have had. Thank You.