Dealing with Bank of England Mortgage Division Mortgage has been the most pleasant experience of any prior loan closings. After going through land purchase, construction, and permanent to construction loans over the last 5 years, this refinance with RVM was the top of the list for best rates, ease of closing, and especially an extremely responsive team of professionals. Emails and return calls were immediate and answered any of my questions. Over the years, I have searched for the best rates with lowest fees locally, as well as on the Internet. No one else came close and I was very happy with my decision to refinance with Bank of England Mortgage Division. My biggest regret was that I did not use them last year on a prior loan. Thank you!