I (we) strongly and wholeheartedly endorse John Burke if you are in need of a home loan or want to refinance. I came across John's site, http://valoansdoneright.com/, after reading about the VA cash-out program on a different website. We had our home loan through Wells Fargo at the time and I called to inquire if they offered the cash-out refinance option. After calling around to multiple Wells Fargo offices, I finally found the right department (in Minnesota) and was informed that they provided up to 90% cash-out of the appraised value of our home. However, having read that 100% cash-out was available, I decided to search around for lenders who could provide 100% cash-out. I found John's site and was not too sure about its legitimacy initially but I took a chance and gave him a call (along with other lenders). John called me back almost immediately and seemed really nice, genuine, and legitimate. I also did my due diligence by searching for him on the Internet and not only found positive reviews about him on various lender and home loan advice websites but I also found positive information about People's Bank and Trust, the company where John works. John spoke to me about the process of obtaining 100% cash-out and my wife and I decided to refinance our home through him. John was a pleasure to work with throughout the process. He was very patient (answering all of my/our questions), maintained constant contact providing updates, and attempted to take care of as much paperwork as possible. Mind you, this is not a streamline refinance, this is a full-fledged, home refinance. Thus, it was quite an arduous process, similar to the initial purchase of our home. However, John was fantastic to work with, helping us at every turn, assisting, explaining, reassuring, staying on top of everything, and finally closing the deal. Yes, it was quite the process to obtain 100% cash-out (at least in comparison to the streamline, no-cash out refinance) but in the end, it was worth every bit of time and effort. And, most importantly, we could not and would not have gone through the process if it were not for John. He was wonderful to work with and is a really nice guy.