[quote=paranoid]Who is Sheldon and what’s his contact?[/quote]
Sheldon is someone who posts here sometimes. User name HLS.

His contact info can be found on his website
http://www.homeloansheldon.com/

He did our refi 2 years ago, based on referrals from here. We ran into a quirky snag and he totally worked through the issues and made it right. This was at a particularly challenging time – they’d just changed the rules on the way appraisals were handled and our loan got caught in the middle. Sheldon rocked.

I’ve referred several friends to him since. They’ve all been pleased, too.