Excellent service from Jay Goyal. He gave me the best rate I can find. There wasn't much going back and forth with the rate as it was amazing to start with. I had lots of questions and Jay took the time to get back to me very promptly, usually within 30 minutes. Again, highly recommend him. Time to ditch the big banks, they like to rip you off. Will reuse you again in 5 years when its time to renew.