My husband was called to ministry later in life and went to seminary in his early 40’s. Being out of full time (some times even part time) work for almost a decade did not look good for a re-fi, even after getting a pastoral position. It looked as though we would need to wait up to a year or more despite our outstanding credit rating. I spoke to a few companies including the ones who were handling my current banking and was given little if any hope… Then came David Garcia from Vault Mortgage Group. David took the time to listen and understand us so that he could work closely with the underwriting team to explain our situation. It wasn’t easy but David got the deal DONE!!! I closed mid-May 2014 and it was everything we were looking for. David is very transparent and honest and easy to work with. He put our best interests first and we really appreciate it!! Thanks Vault Mortgage.