WE LOVE working with Shelly Roark! We met her at a community event, when her company was one of the sponsors of our "Movie in the Park". We were getting ready to do some improvements on our 60 year old home and wanted to refinance with a cash-out. We had a submitted a preliminary application to our bank, Chase, and one with Shelly Roark. Chase sent us what looked like a denial, despite our high 700 FICO ratings and substantial equity in our house. The Chase mortgage officer assured us that the letters were not denials and said we were pre-approved but we would not be able to close for 6-8 weeks. Shelly Roark got our loan on the fast-track and we closed in 29 days, just in time to take the kids to Disneyland while our hardwoods were refinished. Shelly is so diligent and pleasant to work with we will continue to use her for all of our future mortgage needs. We also recommend her to friends all the time.