Quite frankly, I wouldn’t do business Norm Kremer and All Pacific Mortgage again.
They were poor communicators about basic information needed to understand all the costs and fees during my refinance.
Look, there are countless mortgage brokers in the Portland area and even more on line.
I’d go with someone else rather than work with All Pacific.
If they can’t inform their clients of such important and expensive costs, then I’d consider them unprofessional and try someone else.