Sent my first message to Marty at Trident Home Loans on August 16. I closed September 20. Re-financed from a 30 yr VA to a 15 yr VA. Jenn and Soha were great in handling the loan and getting everything completde faster than I thought it could be done. Like others have said, have all your paperwork in order because they will ask for it. There is a lot of paperwork. Many thanks to Marty and crew.