"In spite of my reluctance and semi-combative posture regarding the unsolicited initial call with Neal's calm nature and thorough explanation of how a refinance would benefit us, I have been extremely ...In spite of my reluctance and semi-combative posture regarding the unsolicited initial call with Neal's calm nature and thorough explanation of how a refinance would benefit us, I have been extremely pleased with him and his demeanor. Kudos for his patience and tenacity!"