Candace Neal knows opportunity when she sees it. So when the chance to purchase her first home presented itself, she didn’t hesitate. Little did she know that she would discover unknown water issues which required extensive — and expensive — repairs. But then a colleague referred her to First Republic, and Candace took another step forward. Working with her personal banker, she refinanced her loan and was able to lower her mortgage payments. Candace appreciates knowing the Bank is constantly on the lookout for opportunities that are tailor-made to her unique needs. As a result, Candace now happily refers friends to the Bank.