First, let me say that members of the staff were amazing!! My husband and I had credit card debt that was way out of hand, embarrassing actually. We contacted 1st Family and they fully explained our options; they never once looked down on us like some finance places do (i.e. banks). We took advantage of a ‘cash-out’ refinance and were able to close in less than a month. We paid off all our credit card debt and kept our house payment about the same (about $20 less a month). So, YES! I would recommend 1st Family Mortgage to anyone that needs to refinance. One thing to remember though, it is a mortgage, we were blessed to close so quickly but sometimes a mortgage may take a little longer to close.