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April 25, 2018July 4, 2024

Working with a Mortgage Broker

Here are some important notes to explain how working with a mortgage broker can be beneficial to you. Perhaps you have been referred by your …

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Peak to Peak Mortgage - Annie de la Chevrotiere

5.0

Based on 128 reviews

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Noar ____

01:11 16 Aug 24

I really recommend Annie because it was my 1st time going through the pre approval procedure and she was super kind, genuine and very patient to make sure I understood everything. She worked hard, every hour of the day, to collect all the documents I needed and the best interest rate on the market. If I would need to get pre approved again I would chose her a 2nd time in a heartbeat.

Malorie Moore

20:10 01 Aug 24

Working with Annie has been a fantastic experience. She is knowledgeable, available, and super helpful. Highly recommend!

Sara Nawaz

16:38 16 Jul 24

Annie guided us through the daunting process of buying our first house, and it could not have been a better experience to work with her. We originally got in touch with her several years ago when we were less 'appealing' mortgage candidates as we were a combo of self + contract employed--other brokers weren't interested in working with us, but she was up for the challenge and helped us secure a great pre-approval! We put our search on hold but when we picked it up again this spring, she helped us navigate the complexities of making our first offers and closing on our first home. She patiently explaining the nuances of mortgages and answering our questions, and kept reaching out as new better mortgage options came available, even once our contract was signed. She was super available and accessible, friendly, supportive and kind. Highly recommend her for any others looking for mortgage support, but particularly first time home-buyers, and those who have non-standard situations (e.g., self-employment)! Annie truly made the process enjoyable and stress-free, and we are so grateful.

Tim Boucaut

17:55 30 May 24

Annie at Peak to Peak Mortgage was fantastic. She explained things in detail, was very quick to reply and helped us to secure our first home. Looking into our first mortgage can be overwhelming and Annie made it comfortable and easy to understand!

Tristan Allan

18:08 15 May 24

Annie is super helpful and responsive

Renee Schwartz

17:47 10 May 24

I recently had the pleasure of working with Annie as my mortgage broker, and I cannot sing her praises enough. From start to finish, Annie's professionalism, expertise, and dedication made the entire mortgage process smooth and stress-free.One of the things that stood out to me most about Annie was her responsiveness and accessibility. She was always available to address any concerns or questions I had, and she kept me updated every step of the way. Her prompt communication and willingness to go above and beyond to assist me made me feel valued as a client.Overall, working with Annie was an absolute pleasure, and I would highly recommend her to anyone in need of a mortgage broker. Her professionalism, expertise, and dedication set her apart, and I am truly grateful for all of her hard work in helping me secure my dream home. Thank you, Annie, for your outstanding service!

Marina Gonzalez

17:55 07 May 24

Annie took such great care of us as first time homebuyers. She was patient and walked us through every step of the process, and was able to secure us a lower rate even on the day of completion. Her knowledge of the industry is unmatched, and she tailors her recommendations to each individual client. Would only go with Annie for mortgages in the future, cannot recommend her enough!

Chloe Portia

20:02 29 Apr 24

Exceptional service from Annie! She was patient and incredibly helpful throughout the entire process. Highly recommend for anyone seeking a stress-free mortgage experience.

Tamara

03:16 23 Apr 24

Annie is amazing to work with. We’ve done multiple transactions with her; most recently our mortgage renewal. Each time has been really smooth (online forms/signing,) quick and of course a better rate than our current bank would give us!

NEMA

20:31 27 Feb 24

Annie was wonderful to work with. She is an excellent mortgage broker and well connected with various banks. She is a great communicator and did a great job tracking all the details required during the process. She was friendly and positive every step of the way and very patient with all our questions. I would recommend Annie to friends, family, and anyone else looking for a great mortgage, and a great mortgage broker. I have bought many houses over the years and Annie is the best mortgage broker I've ever worked with. She is fantastic and we got a great mortgage!

Kolibrik Cerveny

17:27 20 Dec 23

Annie has been a true sparkling gem throughout the purchase of my property! I have never owned before and was new to the process. She was very helpful and informative, kept me up to date on everything including next steps and what to expect, and was just very kind and pleasant to work with. And, the thing we all care most for here, she got me such a good rate that the notary nodded his head in respect and said I had a great broker as it was by far the best rate he has seen for a while. I highly recommend Annie and have already referred her to friends.

Jamie Riddalls

03:05 01 Dec 23

Annie was very knowledgeable about the mortgage application process and she provided a range of options to meet our needs. Annie is also very quick to answer questions and she helped my wife and I find a mortgage that was right for us. I highly recommend Peak to Peak Mortgage.

Bronwyn Allan

16:24 29 Nov 23

Annie is exceptional to work with! She was recommended to us and I'm so glad she was. Annie is knowledgeable, intuitive and detail oriented and as first time buyers really gave us confidence to trust her expertise. Her availability at all hours of the day was a welcome surprise since we were working from multiple time zones and it really helped us with time sensitive issues. Thanks again Annie!

Jason Morden

01:51 10 Nov 23

Annie was incredibly helpful. She even managed to secure me a lower rate just before closing on my property!

Susan Youngsman

19:13 03 Nov 23

Annie was fantastic to work with. From the get-go, it was clear she had my best interests at heart. She’s very knowledgeable and experienced, an excellent communicator, and a great advocate. She explained everything clearly and was always on top of things, keeping the process moving quickly. On top of that, she’s a thoroughly delightful person.

Mathieu Ricignuolo

17:20 25 Oct 23

Getting our mortgage with annie was just as easy as buying a tv! She knows what’s up in the sea to sky! We’re so happy!

Matthew Clarkson

03:43 24 Jun 23

Annie was wonderful to work with. It was our first time buying a home and looking for a mortgage, so we had a lot of questions at every step and needed plenty of guidance. Annie answered calls and emails at all hours of the day and explained every little detail, so we fully understood every part of the process. She was extremely personable, kind and helpful throughout. Distance was no hindrance as she helped us buy in the Yukon from her home in sea to sky. She also found us a very competitive interest rate! Annie came recommended to us and went above and beyond our expectations. I would highly recommend Annie and her team to find you a mortgage and guide you through it.

tanisha roman

00:26 25 May 23

Annie is very helpful & great at explaining everything.

chris caldwell

16:58 04 May 23

I have had great experiences using Peak to Peak’s services on two occasions. Annie is friendly and professional. I would highly recommend for your mortgage needs.

Amar Murthi

17:41 05 Apr 23

Annie is great to work with and goes above and beyond for her clients.

Tamarin Turck-Nel

00:13 01 Apr 23

Annie from Peak to Peak mortgages helped us get our first home since moving to Canada. She was very helpful and got us the best deal with a lender in a very short time. It was all very professional and we were at ease working with her. We highly recommend her service. Thank you Annie!

Jason Rod

23:16 24 Mar 23

Annie was a pleasure to work with. Knowledgeable and willing to explain all the fine details of the whole borrowing process and got us a great rate on our mortgage. Will be recommending to F&F.

Eric Weber

04:26 09 Dec 22

Annie brings a level of passion and precision to her job that is rare to find. The care and attention to detail she provided for us during our home purchase process were above and beyond anything we ever expected. She is the main reason we were able to make our dreams come true. Her guidance and knowledge are unparalleled.

Lauren MacColl

21:17 06 Dec 22

Annie was such a pleasure to work with. She was always so quick to respond to our (many) questions and always made herself available if we needed to call - giving us a huge peace of mind throughout the process of our first purchase (in a very competitive and fast-paced market).We would recommend her to anyone - thank you so much Annie!

C Deneschuk

15:48 06 Dec 22

I was referred to Annie over a year ago. It is my first mortgage so I had a thousand questions and at least 3 attempts at purchasing a house in this hugely competitive market. She came through for me each time when I put in an offer- She was very knowledgeable, quick to respond, patient, and above all kind. Her expertise put my first time home buyer's mind at easy- every time. She was proactive in know the market and rate changes (changed 3 times since I started looking!), and always was on the ball to secure me the best rate. It was a pleasure to work with her and I hope you get the honour as well. I did it! Whoohooo! Thank you Annie!!

Ginni Mason

00:48 03 Dec 22

Annie is so easy to work with! We used her for our mortgage the first time 5 years ago, and just dealt with her again for our renewal. She did all the leg work in ensuring the best possible rates, explained everything along the way, and was really flexible with working around our busy schedules. Highly recommend Annie for all your mortgage needs!!

Melanie Fletcher

19:18 06 Oct 22

Annie provided amazing service; far better then dealing with regular banks. We found she was very efficient, patient and knowledgeable. Could not be happier with our choice to go with Annie and will absolutely use her moving forward. Highly recommend her!!

Laura FitzGerald

04:37 04 Jun 22

Annie is phenomenal. Thank you so much for your incredible efficiency to secure us our mortage in a competitive sellers market. As first time home buyers we were new to the process and we felt very well informed throughout every step of the mortgage process. We have found a home that we are excited to make our own and we so appreciate all your hard work.

Shawn McGlynn

17:31 31 May 22

Annie is a consummate professional. She has guided us through two home purchases in Squamish, BC,...the latest during a particularly difficult market with soaring prices and rising rates.Annie is responsive and incisive, practical and inventive...always positive and forward-thinking.We recommend Annie de la Chevrotiere for your mortgage broker needs!

Debbie Richmond

06:06 31 May 22

I presented Annie with a challenging situation for which I honestly did not expect a solution....but she dug deep into her arsenal of tricks and pulled this off for me! Thank you for your perseverance Annie!!! ( and for never making me feel bad about all my questions!) We move into our new home tomorrow and are so excited!

Michelle Gardner

16:27 26 May 22

I am happy to recommend Annie. We used her services to help us purchase a house as newcomers to Canada. Our situation was out of the ordinary as we were new arrivals on work permits. Most lenders would not lend to us because of this. Annie was very knowledgable about lenders that would work with our situation and she managed to secure us a competitive rate. We contacted Annie after first having contacted another broker who had quoted us rates that were over double what Annie managed to secure for us. Thanks to her we were able to purchase our home just 3 months after our arrival here in Canada. We can throughly recommend her services!

Molly Green

16:47 28 Apr 22

Annie was an invaluable help to me while I was purchasing my first home on my own. She was always available to field any question I had (which were plenty and frequent). She was extremely professional and knowledgeable which allowed her to me get the best rate. I highly recommend Annie!

Daria Kostyannikova

17:02 21 Apr 22

Annie has been incredibly helpful with us securing a great mortgage! She was very thorough, efficient and addressed our questions and concerns right away. She walked us through every step of the process and made it clear what to expect. During the last stage of securing a mortgage, we encountered an unexpected obstacle, and she stayed on top of it and ensured that it was resolved quickly. Annie made this stressful process pretty smooth for us. We can’t recommend her enough!! Thank you Annie!

Madeleine Robinson

04:58 12 Jan 22

Annie recently helped us with our financing on our new home. She is very professional, knowledgeable and a pleasure to work with. It was our first time buying a home and Annie was always patient and open to all of our questions. I would recommend her to any and all friends and family!!!

Sheri Kashman

20:33 22 Dec 21

I have worked with Annie at Peak to Peak twice in the last five years. The first was in obtaining a mortgage as a first-time home buyer. Not only did she help me navigate all of the details that I had no previous experience with, but she helped me with a mortgage that was quite a bit more than what I was pre-approved for. The second was in re-financing my mortgage. Throughout both of these circumstances, Annie was very responsive, professional, friendly, and went over and above with extras to make the experience that much easier. I definitely recommend her!

Kostas Tiliakos

04:36 22 Dec 21

How do we begin? My wife and I were first time home buyers. In the past we had gone to our bank looking to buy a home. We had zero debt, an excellent credit rating and 20% to put down on a townhouse, yet the banks would only approve us for maybe enough to try to purchase a “room” in our city. A friend recommended me to go to see Annie. This has been one of the best decisions we have ever made. Needless to say we are now proud homeowners of a 3 bedroom, 2,5 bathroom townhouse in downtown Squamish and we have never made it without her. Annie is very knowledgeable, genuine, warm, engaging, experienced and trustworthy, always available to answer our questions and never made us feel like we were bothering her. We highly recommend Annie!

Kate Inman

04:14 10 Nov 21

Annie is so easy to work with. She totally takes care of you and works super hard to get results within your timeline. I’ve used her a couple of times now to help me get a mortgage and I would definitely recommend her to anyone who asks.

George Klimock

21:05 05 Nov 21

We recently purchased a Townhouse in Victoria and got our financing through Annie. She is extremely professional, knowledgeable and can help you navigate the mrotgage application process as quickly & efficiently as possible. Our experience was great and we would recommend Annie to any of our family, friends and anyone else who wants to have the best experience possible with getting a mortgage

rhys stuckey

22:35 23 Sep 21

Annie was fantastic! I would highly recommend her services at Peak to Peak Mortgage. Annie was extremely knowledgeable and readily available to answer our questions and concerns. It made the whole process of obtaining a mortgage so much easier and I am very grateful for her professionalism, attention to detail and the genuine care that was shown during this process. 10/10!

Ben Ellison

14:13 20 Sep 21

Working with Annie to get our mortgage in place was a pleasure. Annie is professional, provides great information and communicates very effectively. I would highly recommend reaching out and chatting to Annie.

Andrew Bull

22:27 26 Jul 21

My partner and I bought our first home in February and Annie was recommended to us by our realtor. Annie was a pleasure to work with throughout the entire process. She took a huge amount of stress out of buying our first home and I'm very grateful to have had her help. She is very knowledgeable, professional, friendly and went above and beyond for us at the last minute to fix a mistake I made that nearly cost us our cash-back offer on our mortgage. She was also very responsive, which was extremely helpful when we had to make important decisions under time pressure. I highly recommend Annie.

Oliver Snow

16:01 26 Jul 21

We had heard of Annie through recommendations and she totally exceeded expectations. This was our first house and she was very helpful in explaining the whole process and helping us get approved. She shopped around and found us a great rate and made sure that we were on top of all our documents, even helping us with unconventional income statements (student, sole proprietor). She made the whole house buying process much easier and we would happily recommend her to anyone looking for a good broker.

Robert Beaumont

06:12 22 Jun 21

We've arranged two mortgages though Annie now. Annie is fantastic to work with and helps guide you through the process, even when it gets tricky. She works hard to get good rates. We're very happy with her service provided.

Grant Loveland

22:26 21 Jun 21

Annie came highly recommended to us from our Realtor and we couldn't of been happier with her services. She was always available when we had questions and we truly felt as though she was in our corner as we navigated the purchase of our first home. Anybody who is considering a mortgage broker in the area would be well advised to reach out to her. She seriously makes magic happen! Thank you so much Annie!

Nicole Gillette

11:14 02 Jun 21

My partner and I had the pleasure of using Annie as a mortgage broker for our first home. This was probably the most stressful time in our home buying experience, but it was made substantially easier by having a great mortgage broker.Annie was very responsive in answering questions and helping calm our nerves as deadlines closed in. She was super knowledgeable and approachable at all steps.We selected Annie based on her great reviews online, and are happy to say that they are all accurate! We are so lucky to have her in the sea to sky area!

Jonathan Leith

23:42 31 May 21

Annie was the broker on a recent mortgage project. She did a phenomenal job over several months - always available, answered numerous questions and sorted out the many issues and challenges along the way. Best mortgage broker I have ever worked with - hands down. Highly recommend.

Nicole S

02:49 27 May 21

Annie, at Peak to Peak Mortgage, was an exceptional partner for our mortgage refinancing and Home Equity Loan needs. Annie was informative, available, responsive, and exceeded our expectations. The rates she negotiated were excellent. We have worked with several brokers in the past, and none have compared to the level of service and professionalism we received from Annie. I couldn't recommend a better broker!

Eman Ismaeil

04:53 20 May 21

I cannot say enough about Annie and how amazing she was throughout the entire process of purchasing our first home. From start to finish she was by our side and always available to answer all our questions. As a first time home buyer things can be overwhelming, but Annie made us feel comfortable and confident every step of the way. She worked so incredibly hard to help make our purchasing dreams come true and I can't imagine having gone through this process without her guidance and support.

Canadiankenney Kenney

02:02 19 May 21

Annie at Peak to Peak Mortgage has been incredible for us during our first ever mortgage 5 years ago and during our recent refinancing. Highly recommended!

wendy traas

23:29 25 Jan 21

Annie was wonderful to work with. Responsive, and really helpful in providing options. Would recommend!

Jessica Cornwall

20:58 19 Jan 21

Annie was so lovely to work with. My husband and I had special cross-border circumstances and Annie worked very hard to get us the best rate possible for our mortgage. We highly recommend Annie and are grateful for her help.

Katie Griffin

23:56 16 Dec 20

This was our first time buying a home in Canada as we are new to the country. Annie was recommended to us as a good person to help us on our journey and we are so very thankful for that recommendation. Not only is Annie prompt and professional, she took the time to make sure we understood every step of the process and answered all of our questions. She made us feel confident and comfortable with the process and our investment. We feel like Annie went above and beyond to get us into a home we love and she will be the first person we call if we ever decide to move.

David Milchard

23:21 10 Dec 20

Peak to Peak Mortgages was amazing! Very informative and understanding! They answered all my questions clearly and were always ready to help! I will be back!

Tina Taylor

20:46 26 Nov 20

Annie secured us a fantastic rate, working right up to the end to continue to lower an already great rate. She was available to answer all of our questions through the process and had excellent and timely communication.

Mike Czekurlon

05:15 25 Nov 20

This was our second time working with Annie. First when we purchased our home 5 years ago and now with our renewal. She was fantastic both times!It definitely felt like she had our best interests in mind during any decisions that needed to be made. We got a great rate too! Any questions were answered promptly and thoroughly. Annie helped facilitate communications with everyone involved as well - the bank, home assessment, lawyers, etc.Would highly recommend her services for anyone in the market for a new mortgage, renewal, or refinance!Thanks Again Annie!!

Lucy W-G

22:26 17 Aug 20

We were recently first-time home buyers and Annie really helped us out throughout the process! Very friendly and responsive. It's been a pleasure working with her!

Kerrington Harper

06:35 14 Aug 20

Annie was referred to me by a friend and she was absolutely amazing to work with. She explained every step of the process and was always available to help clarify any questions I had. I highly recommend her. Thank you for all your help, Annie!

k burns

19:43 28 Jul 20

I cannot recommend Annie highly enough! She was so kind, professional, skilled and supportive in helping to arrange my mortgage. Hands down, she is the best! You will get the best rates and have the best experience if you go with Annie.

Jae

02:56 09 Jul 20

How could I describe my experience with Annie? I have never seen her and only met her via an email. She is calm, professional, fast, patient, and target oriented. I would say my situation might not be easy, however she got enough to solve the case. It was a great choice, and it led me a great outcome. I read other's reviews about Peak to Peak Mortgage in Google, and I was able to feel empathy and fully understand what they would like to express about, is because that is true. Thanks to Annie.

Rick Godwin

20:48 14 May 20

Fantastic to work with. I think she actually likes helping people get financing! Sincere. We have worked with her several times and will do so again.

Melanie Lazelle

17:55 17 Apr 20

Had a great experience working with Annie. She was always very responsive by email, text or phone call and we appreciated that she was happy to do things electronically which suited us. She locked in our interest rate the night before interest rates rose, we are very pleased with our experience with Annie and highly recommend her

Jonathan Doyle

01:55 09 Mar 20

We used Annie from Nelson, never met her in person, but she came highly recommended to us. Annie was incredibly helpful and made herself available to us any time by phone and by email, explained the entire mortgage process to us (no question was too stupid, we were first time home buyers), and most importantly got us a great deal.10/10 would get mortgage again.

Chris Glavin

19:33 06 Mar 20

This was the second time that I’ve had Annie take care of my mortgage needs. Care is the key word as both times I’ve felt 100% secure with stepping back and letting her do what she is so good at!Her guidance, experience and knowledge are an amazing resources that have made a big difference in my financial planning.Thanks again Annie ?

Toria Jaymes

06:32 12 Feb 20

I cannot recommend Peak to Peak Mortgage enough! Working with Annie has been a Godsend. As a first time buyer with a complicated set up and background was still no match for Annie. She lead the process confidently and guided me along the way, helping me understand the process better.A real pleasure to work with. Positive and friendly and incredibly experienced and knowledgeable in her field. My go to for such needs for the rest of my days for sure. You're in seriously good hands at Peak to Peak Mortgage.

Cassandra Schellenberg

00:43 02 Feb 20

Annie has been amazing to deal with! She has gone above and beyond what we expected and helped us secure our first mortgage at a great rate. She responded almost immediately to everything I sent her way (and that was a lot!) and was always one step ahead. I honestly don't know what I would have done without her. Thanks Annie!

Matt Ciesielski

21:42 17 Jan 20

Annie is an absolute pleasure to work with. She has always put my clients best interests before her own. She is a wealth of information when it comes to mortgages and would highly recommend her for anyone looking to get in the market for the first time or for real estate veterans who are looking to expend their real estate portfolio. 10/10 service, compassionate, dedicated, professional...

Marija Stanojevic

23:28 12 Jan 20

I am a Real Estate Agent since 2009 that has had opportunity to work with different mortgage brokers . Annie stands out for her patience, professionalism, knowledge... such a reliable mortgage broker . It has been a pleasure working with her and I hope to have many transactions in the future together.I first heard of her from my clients that have a corporation and it was very hard for them to get approved, but she did an amazing job that was not possible for other mortgage brokers .

Nancy Hamilton

18:51 12 Jan 20

I am a Squamish Realtor specializing in selling Real Estate in the Sea to Sky area of BC. I often recommend Annie @ Peak to Peak Mortgage as she is really capable & goes the extra mile for people. I know that my clients will be well taken care of by Annie. She is professional & very knowledgeable as well as genuinely caring about people.

Nancy Curley

17:46 11 Jan 20

Thanks again Annie for all your help in making our home purchase a reality! You made the whole process go smoothly and with a lot less stress than we had anticipated. Your attention to detail made sure that our application was approved first time and we are really happy with the rate you secured for us. Thank you again Annie - we would definitely recommend you to others!

Catherine Olson

16:51 11 Jan 20

Highly recommend Peak to Peak and Annie. We used Annie’s service to secure funding for our latest move and more importantly our young sons were able to secure mortgages through Annie’s creative and thoughtful approach. Thanks Annie!

Sharon A.

00:18 11 Jan 20

Annie works diligently to get the best deal for her clients, orders appraisals at 10 pm, communicates consistently ensuring all parties know what is happening, while respecting and understanding deadlines. There's never a dropped ball and her level of service is a 10 out of 10. True dedication to her clients best interests.

Rene Cheema

20:56 04 Jan 20

Absolutely first class service from Annie de la Chevrotiere!She definitely worked hard to secure the right mortgage for me and was always available to answer my questions and help me along the way, any time of day, any day of the week.

Devlin Hookham

20:36 22 Nov 19

Annie was very knowledgable and put in several late nights to get us our mortgage in a hurry. Even when we made some last minute changes she was very accommodating and got us approved on time and at a great rate.Very please with the service we received.

Tom Skillicorn

00:29 12 Nov 19

Annie was absolutely outstanding helping us secure a mortgage. Could not recommend enough. Reliable, very professional, great communication, Excellent service!! Look forward to using her again in the future.

jim longden

20:45 10 Nov 19

Annie was such a pleasure to deal with! Her open minded ,resourceful approach and availability made for a seamless effort to financing at short notice. I look forward to our next challenge and will recommend your service to all my friends.

Alana Britten

16:21 16 Aug 19

We came to Annie after she was highly recommended to us, and it was one of the best decisions we made! This was our first time purchasing a house so she was very patient and explained/answered any questions we had (and there were a lot of them)! She was quick to communicate with us and didn't hesitate to pick up the phone or go the extra mile to make sure this worked for us. She was also flexible in meeting us to accommodate our crazy work schedules. Her warm, kind nature made us feel very comfortable to trust her with this task; there was never a doubt in our minds that she wasn't fully invested in making this work for us! And, if it wasn't for her battling for us (something I'm sure a bank wouldn't have worked so hard for) we would not have been able to get the house we wanted! She did an incredible job and we will be using her in the future. Thank you, Annie - we will be telling everyone we know about you!

Suzie West

15:34 08 Aug 19

Annie is truly one of a kind. She puts all of her heart and soul into making sure the “mortgage experience” is as stress free as possible. The purchase of my home is without a doubt, the biggest investment of my life. From the pre approval process to the closing date, Annie was communicative, honest, and I felt confident that her relationships with the various lenders, product knowledge and genuine desire to act in my best interest, secured me the lowest interest for the mortgage term I was looking for.Annie made this process as seamless as possible. It is obvious that her many years of experience as a mortgage broker, combined with her sincere desire to find an approval for me, allowed me the exact mortgage product and term I was looking for, in addition to the lower 5 year rate in marketplace.My experience with Annie is one that I love to share with others as she made what can be a very stressful process simple, efficient and she helped me solidify the lowest monthly mortgage payment possible for the next 5 years.Thanks Annie, you are the truly the best at what you do and a gift to all that know you.

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