Richard and his team assisted my husband and me in a refinance of our home in June. The whole thing was done in a month, and he made it very easy. When we first contacted him, we had different plans for the refinance, but he was not phased by our change in direction. He was very patient at our sit down meeting and discussed different options and provided advice. We used Dropbox to share documents, and it was so much easier to provide the needed documents than it was when we previously bought our two properties through the bank. The whole process was very smooth and stress free, and we are satisfied with the rate that we received. We are very pleased with our experience and would not hesitate to use New Penn Financial in the future.