After we retired, we tried to refinance our house ...

After we retired, we tried to refinance our house to change it from a 30-year with a high interest rate to a 15-year with a lower rate. We were told that there were repairs that it was suggested we make before we had an appraisal done. We had windows, doors, and siding installed. We remodeled the kitchen and two bathrooms. We went to Wells Fargo to refinance the mortgage that we had with them. Because of the expenses we had incurred with the improvements had increased our debt to equity they would only give us part of what it would take to pay off the expenses. The main problem was that three of the projects were financed with Wells Fargo. They refused to pay off any of the Wells Fargo loans and our interest rate would be higher that it currently was. We went to our credit union who were willing to refinance but advised us to wait six months and pay down some of the other bills to give us a better chance of getting what we needed. Shortly after the pandemic started, we received an advertisement in the mail for Meridian Mortgage. It listed our mortgage and all of our bills and said that they could refinance us and take care of all of it. It said we could get cash back and a much lower interest rate. I filled out the form on the back of the advertisement and faxed it in. Within an hour I received a call from a Meridian representative that began the most rewarding home refinance process that we have ever experienced. On 5/13/20 our application was accepted. Christopher, Phil, and AJ stayed in constant contact with me. They helped us complete all the requirements and submit the required documents on-line. The people at Meridian arranged the appraisal. They worked with us to pay off all of the Wells Fargo accounts and gave us enough cash back to pay several more bills. The interested rate was very good. A closer was sent to our home to finalize the closing so we never had to leave our house for anything during the process. During this time of COVID 19 that was very important to use because of our age. They were not able to provide the funds that were proposed in their initial advertisement but what they were able to provide was based on our appraisal and our financial records. What they were able to provide was more than we had dreamed we would be able to accomplish. Even after the closing when I contacted Phil with a minor issue concerning the cash back to us that I was only letting them know about for future customers, he was quick to take care of it and even sent us a gift for letting them know. I would highly recommend Meridian to anyone considering refinancing their mortgage. They are by far the best company we have ever done business with.