Mr. Mark Stillman of Oso Creek Mortgage was very helpful and patient in the refinance of my home loan. I was concerned that I would be unable to complete a refinance because of having a HERO / PACE loan in the first position to be paid off first. But, with Mr. Stillman steering the ship we were able to navigate these burdensome waters quickly and get my home refinanced for a lower interest rate, saving me considerable money overall. I would absolutely recommend Mr. Stillman to anyone who is looking for a refinance or a lender to begin their home purchase with.