Thanks JT & Rob

I just wanted to thank JT and Rob and everyone at First Hallmark. Victoria and I just refinanced our mortgage from a 30 year fixed with just under 25 years remaining to a 20 year and will be saving a ton of money. Thanks JT & Rob! And it was nice meeting you Rob at the Winter Blast.

You are very welcome Joe. I talked to Rob about printing a special amortization schedule for you. It will highlight the savings point date for Victoria that should allow for the purchase of a larger boat.

Good luck with everything this year.