John Holtz was my Senior Loan Officer for Renofi, and he was great to deal with. I initially reached out to John looking to finance my renovation. John suggested putting a first mortgage on the house I was buying, and using the money I would have spent on the house to finance my renovation. The overall experience was excellent. I applied for the loan on Thanksgiving, and we closed on the house on 12/31/24. John was incredibly responsive to any of my questions, and his follow up is outstanding. I would highly recommend John Holtz and Renofi to anyone looking for a mortgage.