"Shelby went above and beyond to communicate the details, to help us stay on track timeline wise, and she conveyed care and enthusiasm in her work."

"Shelby went above and beyond to communicate the details, to help us stay on track timeline wise, and she conveyed care and enthusiasm in her work."

"Fantastic experience in this challenging market with Shelby and team. They have your best interest at heart!"

"Shelby was fantastic, very clear with the details shared with me and my wife during the loan process. Shelby came across as a very genuine person looking after the best interest of my family. Cannot recommend her and her team enough. The loan processor Dorrine was as helpful as Shelby. Great team overall!"

"Shelby was very encouraging and made unfamiliar terms understandable for us first-time homebuyers."

"When I started working with Shelby I wasn’t even sure of my next step in the process aside from trying to sell my current house. She was patient and knowledgeable about which avenue would work best for our goals."

"Shelbys’ communication was beyond amazing during the whole process: figuring out where to start to preapproval to funds adjustment to closing day and being funded!"

"Shelby was readily available to us for quick communication and was extremely helpful and kind. As first time home buyers, there is a lot of "new" coming your way. Shelby was polite and patient in explaining everything we needed to know and answering every question we had. She never made us feel like we were a bother or our questions weren't important. She is extremely knowledgeable and a great resource! From the first meeting to our closing on our first house, Shelby was there and helpful. Don't think twice about using her as a resource for your loan!"

"Shelby was readily available to us for quick communication and was extremely helpful and kind. As first time home buyers, there is a lot of new coming your way. Shelby was polite and patient in explaining everything we needed to know and answering every question we had. She never made us feel like we were a bother or our questions weren't important. She is extremely knowledgeable and a great resource!"

"Shelby helped make everything happen with my home purchase. She was there every step of the way and was great at communicating and getting things done! I will definitely recommend to friends and family looking to buy a home in the future."

"Timely loan review Swift office, worries withdrew Funds flow, dreams renew"

"Shelby was knowledgable, kind and quick to respond and answer questions. She helped us feel empowered making such a huge decision."

"Buying our first house was an overwhelming process, but with Shelby on our team we really felt empowered. She is so knowledgeable and easy to talk to. I felt like she really valued us and was always there to answer questions and to give us any information we needed to help make decisions. Working with Shelby is one of the best decisions we made in our home buying process. She is incredible."

"Wow! Shelby was an incredible support as we navigated out first home loan. From pre-approval to getting us information so we could make the best offers possible she was top notch. Shelby was able to explain the process to us so clearly and was always willing to talk with us through any questions or concerns we had. I am so beyond grateful for her help getting us into our dream home."

"Shelby was incredible to work with. Informed me wisely and gave me a lot of knowledge. She was transparent with all of my questions. Top notch service and all around a very smooth and pleasant experience. Highly recommend working with Shelby for your real estate purchase."

"Shelby was incredible to work with. Informed me wisely and gave me a lot of knowledge. She was transparent with all of my questions. Top notch service and all around a very smooth and pleasant experience. Highly recommend working with Shelby for your real estate purchase."

"She was patient, friendly and we always felt she had our best interest as her top priority. Shelby was fantastic."

"Shelby was a great communicator, always eager to answer any questions I had throughout the process, flexible, and knowledgeable! I totally trust her expertise and she helped make home buying from a distance less stressful."

"Shelby was the best! Did everything plus more for us. Made home buying enjoyable! 5 stars always!"

"Shelby was so dependable and there for us every step of the way! Whenever we had a question or needed her to run some numbers (usually at very inconvenient times) she always made time and made sure we were informed. She was able to get creative with our offer which gave us some flexibility and ultimately allowed us to have our offer accepted! She is so informed and on top of her game - we couldn't have done it without her help every step of the way!"

"Shelby was so dependable and there for us every step of the way! Whenever we had a question or needed her to run some numbers (usually at very inconvenient times) she always made time and made sure we were informed. She was able to get creative with our offer which gave us some flexibility and ultimately allowed us to have our offer accepted! She is so informed and on top of her game - we couldn't have done it without her help every step of the way!"

"Calling and checking in on you"

"As a first-time homebuyer, and a single family-member household, I couldn't have felt more educated, supported, and taken care of than I felt with Shelby. She went above and beyond (and then some) to ensure that I understood every step of the process, that I was comfortable with the numbers being discussed, and that I always knew she was just a phone call or text message away if I had any concerns or questions. Apart from the home I purchased, selecting Shelby as my lending agent was one of the best decisions I've ever made. In the future, there's no way I will ever go anywhere else."

"As a first-time homebuyer, and a single family-member household, I couldn't have felt more educated, supported, and taken care of than I felt with Shelby. She went above and beyond (and then some) to ensure that I understood every step of the process, that I was comfortable with the numbers being discussed, and that I always knew she was just a phone call or text message away if I had any concerns or questions. Apart from the home I purchased, selecting Shelby as my lending agent was one of the best decisions I've ever made. In the future, there's no way I will ever go anywhere else."

"Shelby was great. She took carte of everything and was in frequent communication. Any time I had a question she was available. I didn't have to lift a finger, except to sign on the dotted line."

"Easy and seamless. I didn't have to do anything"

"Experience was good. it would have been nice to make time to meet in person as there were a few complex items in progress that would have been easier to communicate live in person vs emails and back and forth phone calls."

"Shelby was incredibly helpful in educating about different mortgage options and how the process works. She is a great resource to have."

"Everyone on the team was professional and very helpful especially when it came to my credit. I would definitely recommend to family and friends. Everything worked out perfect and I am in my first home. Thank you."

"Everyone on the team was super helpful, caring and responded fast!"

"Shelby is a compassionate and grateful person who wants to help make home financing as smooth as possible, and knows how to communicate in a calming and informative way. Our financing was initially approved so early and easily that I thought something was missed, but it wasn't. We hit bumps late in the process due to other parties in our transaction, and that's when Shelby truly shined. She was as calm and determined as before, and worked with me to find a solution to get to closing. I cannot say enough good things about Shelby. Simply the best."

"Shelby is a compassionate and grateful person who wants to help make home financing as smooth as possible, and knows how to communicate in a calming and informative way. Our financing was initially approved so early and easily that I thought something was missed, but it wasn't. We hit bumps late in the process due to other parties in our transaction, and that's when Shelby truly shined. She was as calm and determined as before, and worked with me to find a solution to get to closing. I cannot say enough good things about Shelby. Simply the best."

"Shelby was so awesome to work with! Her communication, professionalism and knowledge were top-notch and she did such a great job connecting with us and making sure we were comfortable and understood everything along the way!"

"Shelby Bartelt is probably the best lender that you will find. She was very professional, proficient, and knowledgeable. She got us exactly what we needed when we needed it to write multiple different offers and helped us get a rate reduction. Save yourself the time & hassle and choose Shelby Bartelt as your lender!"

"When selecting a lender, I had zero doubts that Shelby would be the best that I could find. She made every effort to make sure we had exactly what we needed in a timely manner to make a home purchase. Which included helping us & our realtor write 4 different offers & getting us a rate reduction. I felt that Shelby is very knowledgeable, organized, and proficient. I have worked with a few different lenders and she was the best! I highly recommend Shelby!"

"Shelby was so helpful and great at communicating with us! We had to write multiple offers on multiples homes and she helped us put our best offer forward with each one!"

"Shelby is extremely knowledgeable. She is a great advisor and teacher. She is personable, kind and patient. She takes the time to explain next steps and counsel options. I have done a new home loan and refinance with Shelby and I wouldn't use anyone else. Hands down! So lucky to have found and used Shelby Bartelt at Bay Equity."

"Shelby is extremely knowledgeable. She is a great advisor and teacher. She is personable, kind and patient. She takes the time to explain next steps and counsel options. I have done a new home loan and refinance with Shelby and I wouldn't use anyone else. Hands down! So lucky to have found and used Shelby Bartelt at Bay Equity."

"Shelby is extremely knowledgeable. She is a great advisor and teacher. She is personable, kind and patient. She takes the time to explain next steps and counsel options. I have done a new home loan and refinance with Shelby and I wouldn't use anyone else. Hands down! So lucky to have found and used Shelby Bartelt at Bay Equity."

"Shelby and her team were GREAT communicators. They made sure to check in regularly and ensure understanding on all fronts. There was never pressure, yet we always felt supported."

"Everything from beginning to the last day of closing."

"Shelby was a great communicator and did a lot of the leg work for us, which make the process smooth and less stressful!"

"Quick responses to all my many questions and requests for various scenarios of different loan amounts and durations"

"Shelby was great to work with! She answered all of our questions in a timely manner including some after hours (sorry about that Shelby🙂). She made sure we understand what was going on and let us know of any changes Her communication is awesome! Highly recommend working her!"

"Shelby always kept me informed. The communication was amazing and she’s very nice to work with. Super understanding. When I reached to her, she always had the answer or got back to me in a timely fashion in what I needed including the few time I reached out a little after normal hours (sorry about that Shelby 🙂). She was great to work with and I’d do it again in a heartbeat."

"Shelby always kept me informed. The communication was amazing and she’s very nice to work with. Super understanding."

"In favor of being concise-- Shelby is embodies everything one should looking for in a professional, in ANY field. She is responsive, invested in her customers, and aims to foster long-term partnerships. Shelby's traits make her truly stand out as a Loan Officer. Always willing to guide, often time going out of her way to get you the answers you need when they are most needed. I can say-- blanket statement-- much of my confidence as a homebuyer came from knowledge garnered through my interactions with her. Doubt me? Pick up the phone and give her a call."

"Explained all the steps clearly, always available to help whenever I needed it and had great advice throughout the entire experience."

"Shelby is the best and will work for you tirelessly and always be available if not through a call then email or text. Any questions you have she can answer."

"Shelby and Michelle my realtor we’re always available to communicate if not through a call then text and email. Shelby worked throughout the night until 9:00pm one day with Michelle for getting us pre approved and finally approved to purchase our home when making the offer."

"Things went very quickly and Shelby & her team made sure we knew what was next and kept us ahead of the game."

"I find mortgage refinancing very overwhelming. I initially began the process with our original mortgage company. I wasn't impressed with their offer, so I asked a realtor friend for other recommendations. She recommended Shelby to us, and I am so glad! She patiently walked me through every step of the process, explained everything to me, AND made an offer much better than my original mortgage company. I highly recommend her!"

"We were moving out of state and came down to the wire in terms of needing to close quickly so we would not have to find a rental in between houses and Shelby made it happen without a single hitch! She even helped us understand all of our options for shortening the loan term along the way. I’d highly recommend Shelby to anyone looking to purchase a home!"

"Shelby was extremely efficient and professional and handled everything we could've needed!"

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was responsive and knowledgeable, and made sure that the process for getting a home loan went smoothly. Whenever we made an offer, she was sure to personally contact the seller and assure them that the financing would be no big issue, which made us an attractive buyer. The only hiccup we ran into was that a clerical problem resulted in us having to re-sign the closing documents."

"Shelby was a key contributor to our overall experience as first-time home buyers. She was always available, friendly, insightful, proactive, and timely. We were ready to close ahead of schedule because of her. I'm so glad that our paths crossed on this journey to homeownership and will gladly reach out when buying again"

"Shelby was a key contributor to our overall experience as first-time home buyers. She was always available, friendly, insightful, proactive, and timely. We were ready to close ahead of schedule because of her. I'm so appreciative that our paths crossed on this journey to homeownership and will gladly reach out if buying again"

"Good communication and very knowledgeable."

"Good communication, seemed to know what she was talking about."

"Shelby was so helpful! This was my first time buying a home and she made the loan process so smooth, and was always available to answer any questions, big or small!"

"Shelby explained things to me in plain English and was very patient with me as a first time home buyer."

"Great communication and explaining every step."

"Shelby went above and beyond for us. She was fantastic."

"Shelby is one of the most genuine humans I have come in contact within a long while. Her kind-hearted nature made all the difference for us. She was super responsive and guided us perfectly."

"Shelby was WONDERFUL! She made the process so easy!"

"She worked at getting us this loan super hard. We were told no elsewhere and Shelby told us she could do it. She answered every question. We are so thankful!"

"Shelby was very flexible and communicative! We knew that we could trust her and that she was on our team!"

"The responsiveness to inquires was amazing. I never waited more than a few minutes."

"Shelby was great throughout the entire process. I had a death in the family and Shelby and Lois were the best and sent flowers which was so extremely thoughtful. I wouldn’t hesitate to recommend Shelby to my friends."

"Thank you Shelby, your personal care, and easy process made this the best finance experience we've had. We appreciate you!"

"Shelby was very invested in making it go well and she was personally involved. Smooth process. She is a delight to work with."

"Shelby was extremely helpful and pleasant! She was patient and accommodating with us… we were working remotely, we’re 76 and not particularly “tech savvy “"

"Every step of the way Shelby was knowledgeable, supportive and helpful. I never had doubts or confusion with her working alongside myself during this process. Thank you Shelby!"

"The time it took to complete"

"Shelby helped us every step of the way! She offered advice and ideas when we ran into a last-minute hiccup! She was very responsive when I reached out!"

"Shelby was the best! She was very responsive and helpful during the process and during a stressful hiccup. She was there for us and offered her help if we needed it. She always had an option or idea to meet closing. Lois, our processor, was also awesome. She was responsive to my questions and very helpful! Props to the UW as well for speedy turn arounds!"

"Shelby was attentive, responsive, and accessible"

"Shelby is amazing and was very helpful for the first-time home buying process."

"Shelby made this process so easy. She answered all my questions and I really felt like she knew me personally as a client. I wasn't just a number which was a great feeling and something I noticed right out of the gate. I just really enjoyed the process and would recommend her to everyone who was interested."

"Shelby was easy, fast and always ready to help. Multitasking is a hard job but Shelby was a queen at it. She had a TON going on and was still with us every step of the way. So grateful."

"She was very helpful and very friendly. She answered all my questions and gave me more information written out when I was confused. I would highly recommend her."

"Shelby and her team were so helpful and in making my family's move smooth. I was comfortable asking anything any time, and they always picked up the phone or called back immediately. I really appreciate having the support they gave me during this big transition. They helped me understand the process and showed transparency when answering all my questions. I would highly recommend them to whomever is making big life changing decisions."

"Quick responses and informative"

"I enjoyed working with Shelby throughout the mortgage/buying process. She was responsive, professional, and quickly addressed all of my questions as we went through the process. I would recommend for anyone looking to buy a home!"

"I enjoyed working with Shelby throughout the mortgage/buying process. She was responsive, professional, and quickly addressed all of my questions as we went through the process. I would recommend for anyone looking to buy a home!"

"Smooth process from start to finish. Great response times. Felt like I was getting individualized attention. Great experience overall"

"Process went smooth and fast along with questions being answered clearly in detail."

"We have nothing but praise to offer Shelby and all her hard work, she made our home refinance a smooth and stress free process! We couldn't be more happy with Shelby and Bay equity's work. Thank you thanks you!!!"

"Shelby really took the time for us to understand what was needed from us. She gave us our options promptly and was very professional. I couldn't believe how easy she made our transaction. Thank you so much."

"Great communication and answered all my questions!"

"My lending agent was very personable and really showed an interest in my wants and needs when buying a home. She was always available to reach out to for questions or concerns and she would even work into the late evening hours and over the weekend in order to get things done or answer any questions I had."

"Shelby went out of her way to provide advice at every step of our home buying experience. She answered questions quickly and gave us the comfort of knowing that our loan was being handled with a great level of care."

"Very smooth process and secured a great rate!"

"Shelby was flexible and communicative through the entire process."

"Shelby was an absolute dream. I had contacted a few lenders to get a refinance started. Out of the 5 I contacted, three called me back. Two of them stopped correspondence a few calls in, one told me that I probably wouldn’t qualify alone. Shelby and I connected less traditionally and I now know it was what was supposed to happen. My refinance wasn’t because I wanted it, I had to do it. I cried a few times but the support I felt from Shelby was a true blessing. Thank you Shelby and team!"

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."

"Shelby and her team did an amazing job working with me & getting me through closing. The end was tough and I was so discouraged at a point. Even with my frustrations, Shelby remained professional and responsive. She was very patient and understanding. Katie also was wonderful. I would definitely recommend them in the future."