"Jacob and I never met in person but as we talked on the phone, I felt I got to know him very well. Jacob made me feel at ease as he guided me thru the refinance procedure, He answered all of my ...Jacob and I never met in person but as we talked on the phone, I felt I got to know him very well. Jacob made me feel at ease as he guided me thru the refinance procedure, He answered all of my questions and never laughed at my (lack of)computer skills"