Thank you Frank and GEM Team! Frank helped us with purchasing our first home in 2009, we didn't hesitate to come back to him for refinancing our home a few years ago. Third time is a charm, we came back to Frank and his team to refinance and capture a great rate, we closed last week! Thank you for helping our family reach our financial goals. You and your team went above and beyond to make things right and close in a timely manner. Thank you!!