A past client of ours came back to refinance his apartment building. It was a cash out refinance very simple and straight forward, the kind of deal we do with our eyes closed.
Biggest challenge turned out that our client's wife was out of the country and we needed her to sign a quitclaim deed and it had to be notarized. We had to have her take the document to the US Embassy in the country she was in and have the document notarized and then sent back to us by mail.
We structured a great Low Doc loan program for our borrower. We lowered his interest rate and payment while at the same time getting him some proceeds to use for other investments. At ALB we appreciate the support and loyalty from returning clients. We must be doing something right!