There’s a reason why Trident keeps coming up in a lot of this forum! After reading some of the reviews, I thought I’d submit an app to see what they could offer. Happy to say that it was worth it! I put in the request on a Sunday and had a text back that same day from Jon saying he’d lock me in at my requested rate, have everything set up the next day, and have his team reach out to me for additional details and loan tailoring. The team knocked out my IRRRL refi quickly and with ease, and got me a great 3.25% rate in CO. The whole process was super painless, and they even tracked down some documents on my behalf that I seemed to have misplaced. 6/5 stars — highly recommend!