My wife and I recently consolidated and refinanced our first and second mortgage through American Capital Financial.  D.J. Davenport was our broker throughout the process.  Obviously, nobody is excited about the prospect of digging up personal and financial information and dealing with the stress of analyzing your largest asset – even if it is to save money.  But DJ made the process as smooth and painless as one could hope: he streamlined the process for gathering financial information (without a lot of follow-up requests); maintained contact and communication during the process (including underwriting and appraisal); made any appointments and the closing easy for my wife and I to attend; and had a very professional attitude about his work.  He also secured us a fantastic rate and saved us a lot of money.  Without hesitation, I would recommend DJ to friends and family.  Indeed, I already have.