Rachel Garcia was the most Incredible Mortgage Refinance Banker I have ever had the pleasure of working with. I was called by Network Capital in April of 2016 about information on refinancing my home, but I was in the midst of a legal situation. So I asked that someone from Network Capital call me back sometime in July or August when I hoped to have things resolved. During the month of August, 2016, I applied for a Home Loan Refinance on lending tree.com, as recommended by my ex-husband. What a mistake! Within 1 second of applying, over 8 different "Lending Institutions" were ringing my phone, and my call waiting and leaving messages. It was very confusing and un-nerving to say the least. It just so happened that Network Capital's, Rachel Garcia, called me back later that same week in August that I was trying to obtain a Home Loan Refinance. I filled her in on the Legal Situation I was trying to work through. I needed a SUBSTANTIAL amount of money out from the equity I had built up in the home (being the sole payor of the original mortgage), in the form of a check (payable to my ex-husband) at closing or I would be forced to sell my home instead. It wasn't easy for Rachel, I am sure. She was so helpful, patient, knowledgeable, and confident that she could help me keep my home. She looked out for my best interests, made sure I get the best rate, terms, and pay the least out of pocket in the refinance deal. The terms of the loan and the loan type changed several times because of the "demands" of my ex-husband and the ruling of the Arizona Court System. I worked with Rachel Garcia at Network Capital from mid August 2016 til September 15, 2016, which was the date I closed on my own mortgage loan through Network Capital. Rachel Garcia was available whenever I called, handled everything with organizing the terms, etc. When we finally figured out what type of loan, terms, etc. it was only about a week later that a closing date was scheduled. Network Capital and Rachel Garcia even had a Title Company Representative/Notary Public come to my home for the final signing of all documents at 8pm, no less, because that was the only time my "ex" could be present to sign off on the Transfer of Deed. I would recommend working with Network Capital to anyone looking to Refinance their Home Loan, and if you get the pleasure of working with Rachel Garcia, I am sure you will be in the best of hands! She is a Rock-Star in my book!