I had an excellent experience with Shelly. She was professional and extremely responsive. She was able to do the math and advise me of the pros and cons of various options, some of which were complicated and not easy to evaluate. In the end, she made the process very easy, took care of all of the legwork, and got us a great deal. Her advice turned out to be spot on, as rates began to rise soon after our closing. I enthusiastically recommend Shelly.