This small practice aimed to refinance in order to lock in longer-term financing, improve the rate, and lower its monthly payment. The group had attempted to refinance itself but was unable to get to closing with any bank. CMAC stepped in to negotiate with the banks on behalf of the group and keep them to a strict timeline. Ultimately, CMAC secured a rate lowered by more than 2%, reduced the group’s payments, set up the group for sustainable future buy-ins, and quickly reached closing, despite doing so during the worst stretch of the COVID-19 pandemic.