Sean contacted me after I submitted a request for information on a "Quicken Loan" advertisement. He was cordial, respectful of my time and knowledgeable on the subject. Perennial was the only company that wanted to work with me because of my low credit score. Sean escalated the matter and got approval to work with me. After several issues (on my end) with obtaining a clear title, Sean guided me through the process and was able to close on a rate that cut-off seven years on my mortgage, lowered interest rate, and kept my monthly payment the same. I would recommend Sean and Perennial to friends and family.