Here are some reviews from a few of our past clients.

Chris J. Houston, TX

Derek was the ‘X’ factor in our getting the home we wanted. Even at closing, people were saying, “How did you get this type of loan? I didn’t think they did these any more.” He’s definitely someone you want in your corner! And if you’re a true Texan, you’ll use him because his initials are “TX”.

Anh N. T. Houston, TX

Derek, I’d like to thank you for your assistance with purchasing, and closing of the house on Diamond Hills Ln. To be honest, I did not have good opinion about bankers, loan officers probably because of unpleasant past experience, but you’ve changed my mind. Not only you gave me the best rate, but the service is unsurpassed. What I appreciated most is you had the final approval and docs ready days before closing , but you also showed up at the title company on closing day to make sure everything is ok, I did not expect that… Thank you once again, and I’m looking forward to working with you on my next house.

Paul O. Spring, TX

Derek is the Professional’s Professional. Having spent nearly 20 years with American Airlines (the last 6 as Director of Quality & Customer Service for the whole corporation) I know this level of service doesn’t happen by accident. It takes the dedication, support and focus from all levels of the organization in making customer service a priority. Derek is one of those rare individuals in today’s world that any company would be proud to have as a team member. He is a great asset to his organization.

Nicole M. Austin, TX

Derek was not only knowledgeable but extremely friendly and didn’t seem annoyed when I would email him with questions twenty times a day. I felt like I was in incredibly capable hands and I have given rave reviews about him to all of my friends. There is no exaggeration in my mind when I say that I am not sure I would have been able to make it through the whole home loan process without his guidance. He makes himself available through email, phone and IM virtually every part of the day during the entire loan process. It was extremely helpful since this was my first home buying experience.

Michael D. Houston, TX

We contacted 11 different companies about mortgage products and Derek was far and away the person most interested in our needs and helping us understand how things would work. He provided us with everything we needed to close on the schedule requested. Our realtor and closing agent also made remarks during the close that he was VERY good at getting things done when he said he would and a good person to work with. Couldn’t be more pleased and we would recommend him to anyone.

Daniel B. Houston, TX

For anyone even considering buying a home, I strongly recommend the services of Derek. Never having purchased a home before, I have heard countless horror stories from my friends and family members of how there are always surprises, and how you should never trust your help (realtor, banker, or loan officer) because they are not acting in your best interests. Fortunately, through word of mouth I was led to Derek, who quickly proved himself and his practice through his workmanship, strong ethical values, and steadfast dedication to my needs. Derek worked countless hours educating me and answering all of my questions. When it came time to close on my house, there were no surprises, no questions, and no stress. Derek not only earned all my future mortgage business, he earned my respect and friendship. It is for these reasons why I recommend Derek to all my friends and family.

Fred C. Houston, TX

Hi Derek, Zee and I are getting situated into the new house. We just wanted to thank you and your team for helping us get our dream house. Zee and her daughter just love it.

Wense S. Houston, TX

Derek, everything went smooth. My wife was all smiles afterwards and when mama’s happy…everybody’s happy! You’re a rare breed these days young man. Thanks for your patience and knowledge of the mortgage business. If I can be of any help to you, other than just by ‘word’ of mouth, let me know.

Doc G. Houston, TX

Derek Is The Man. He just finished getting me my second loan. This loan was very smooth and went like clockwork. The previous one was much more difficult since it was a foreclosure and the seller’s bank was giving us issues. Derek was the only man on the team that worked hard from start to finish. He not only did his job, but he did every one else’s job too. You choose well if you choose Derek.

Joseph & Gladys R. Houston, TX

Derek, I just have to say that you really helped us out tremendously when we were looking to buy our first home. You offered and delivered on our rate without any surprises, and you really earned our respect as a mortgage professional. We look forward to doing business with you again in the future. You’re our mortgage guy.

Ben & Angela W. The Woodlands, TX

Hey Derek, Thank you for taking care of us on our home again. Since my wife handled everything last time, I didn’t have any clue whatsoever on how to get started in buying a bigger house for our newest addition, Angela. From the get-go, you did everything in your power to help me sell my present home by referring me to a realtor that sold my old house in about 2 weeks, and had all my financing lined up to close on the same day. You really know how to treat your clients, and for that, you have earned my business.

Kristin F. Austin, TX

During a very stressful and extremely busy time in our lives, my husband and I decided to sell our home in Austin, Texas and purchase a new home. That’s when our real estate agent introduced us to Derek. Derek was extremely easy to work with and had a great personality! (He still does). He quickly got to work and found the right mortgage for our situation. Having one full time income and three young children, we needed a mortgage that would best suit us and was financially feasible. Derek listened to our concerns, educated us in the types of mortgage loans that were available, and helped us find a loan that was just right for our situation. He was personable yet very professional. I highly recommend him to anyone who is seeking the right mortgage loan for their situation.

Robert L. C. Cypress, TX

It was a lucky day when Derek answered my request for refinancing. With his help, and advice, I was able to lock in a good rate with excellent terms, and even floated down to a lower rate which became available. He was very prompt in answering all my calls and emails, and seemed to take a personal interest in helping me obtain the best mortgage possible. I would recommend him to anyone, and would not hesitate to use Derek in the future.

Tim & Michele P. Houston, TX

I would like to say that working with Derek was a pleasure. He was very professional and responsive at all times. He took time to walk us through each process and answer all questions. I would recommend him to people in the future. He is an asset to your organization. Thank you Derek! You made our purchase as smooth as you possibly could!

Gillian H. Austin, TX

Excellent communication, on time, easy to work with. Smooth sailing and low stress!

Jennifer H. Houston, TX

My friend, Stephen, had told me about you after you refinanced his home. He continued to tell me how you helped him consolidate all his debt and saved him a ton of money, so I figured I would see what you could do for me as well. That day I called you, I have to admit, I was a little skeptical since you were actually the 8th person I had talked to about this, and didn’t really have high expectations since the rest couldn’t help me. Well, you proved me wrong about 2 weeks later! From being knee-deep in debt, I’m now saving a little over $1,180 a month, and the way things are going, I’ll be out of debt in about 2 1/2 years! THANK YOU, THANK YOU, THANK YOU!

Mike S. Houston, TX

Derek, Well, we’re moved in, or, at least we have all of our stuff corralled up and we’re working to cull the herd. Just wanted to take a minute to thank you for the excellent service on our new mortgage. My wife and I have bought and sold several properties since we bought our first house in 1980. This is the first time I arranged for a mortgage loan on the internet. Of the four mortgage companies that contacted me, I was most impressed with your service and lack of a high pressure “sales pitch”. You struck me as genuinely wanting to help us get the best mortgage for our needs. You kept in touch, and communicated everything necessary in a timely and professional manner. There were no hidden costs and no surprises at escrow. In the end, the only problem at closing was with a local lender who was arranging financing for the buyers of our old house. Thanks again, and rest assured that I will recommend you to any friends considering a home mortgage.

Janet D. Houston, TX

Derek is great at what he does! Not only was he understanding to my unusual situation but he was so positive he could get my loan done. He kept me calm and that meant a lot to me.

Debbie M. Houston, TX

Derek is one of the best Loan Officers I have ever worked with on a transaction. Derek had the HUD 1 in my buyer’s hand several days before the closing! I would highly recommend Derek, because he made the closing stress-free for the buyer and me!

Debbie M. Houston, TX

Derek is one of the best Loan Officers I have ever worked with on a transaction. Derek had the HUD 1 in my buyer’s hand several days before the closing! I would highly recommend Derek, because he made the closing stress-free for the buyer and me!

Srikanth V. Collins, TX

Derek, Closing went extremely easy. Thanks for all of your help and expertise. It was a pleasure dealing with you and your firm! Good luck with your business….hopefully the real estate market and economy will soon return to normal. I think we are all in for a tough year.

The Price Family Houston, TX

My wife and I recently used Derek to purchase our first home. We couldn’t be luckier to have found him. He explained and walked us through the whole process. The most reassuring aspect for us was his accessibility. We literally called him with questions nonstop. He always answered or called right back to put our minds at ease. We’ve recommended and passed him on to all our friends who have been interested in a FHA home loan.

Gill V. Houston, TX

The experience was excellent throughout the entire loan process. Any questions I had concerning my home loan, Derek was there to answer them. It was mostly a smooth ride from start to finish and questions were answered in a timely manner. I feel really confident about my home loan and I know I saved a ton of money. Hats off to you! I highly recommend Derek for your home loan needs.

Sophie M. Houston, TX

Very professional, awesome, and wonderful. As a first time home buyer, I could not have gotten that house without your effort and help. You are wonderful! We are very impressed with you and would like to work with you again on another home in the future.

Richard B. Houston, TX

I really can’t compliment you any further, Derek. Our 3rd house with you, and you have exceeded our expectations yet again! By the way, nice suit at closing…you looked sharp!

Timothy V. Austin, TX

As a real estate investor for over 18 years, I have worked with so many people on the financing side of the business. A lot of them promise you this and that, but when it comes time to cash in on their words, the check’s blank. Derek, you have been by my side now for close to 2 years and have offered me straight and honest advice on which loan programs to take to compliment my cash flow, and I take your professional opinion at heart. It’s an honor to be associated with someone such as yourself.

Tim J. Hidalgo, TX

Just wanted to take the time to thank you for the great service. I got a great rate and low cost loan. What more could a person ask for. I also appreciate the personal attention paid to me via internet and phone. I would recommend you to anyone of my friends. As the Terminator says…”I’ll be back” for my next mortgage experience.

Farid K. Hidalgo, TX

Thanks again for all your help we are really enjoying our new home. And the process to purchase it was painless and hassle free compared to my other experiences. The loan process that could be very complicated you made very simple and hassle free. All the documents were done on time and correct which made closing at the title company take less than 20 minutes. The one thing i appreciated the most dealing with you was your constant updates via e-mail and by phone which made my stress level through out the process very low. You will be the first i will call with my future mortgage needs. Thanks again.

Darrin & Angela S. Houston, TX

We (my husband and I) would like to take this opportunity to say that we are very grateful that we had Derek working with us in the crazy long process of buying our first house, Derek was always there for us, he was very accommodating, he also helped us to understand everything and trying to make things easier. Even when everything was getting out of control and we were running out of time, we almost gave up, but Derek was there to give us the strength and encouragement to keep going -he did not let us give up and thanks to that, we have been living in our house for about a month now and we are enjoying every minute of it. Thank you Derek, this could not have been possible without you.

Gary J. Houston, TX

Derek was referred to us by our real estate broker. He was extremely helpful in assisting me as I helped my mother navigate what can be a very frustrating and confusing experience. He patiently walked us through all of the many forms to understand and get completed. All in all, he was one of the most professional mortgage professionals I have dealt with. He comes with my highest recommendations!

Steve and Melanie G. Houston, TX

Hi, Derek, You were great. Home buying is such a maze of confusion; it was very comforting for Steve and me to know that you were there to guide us through the process. And we appreciated your prompt and patient replies to all of our myriad questions. Thanks a million.

Manish P. Missouri City, TX

I wanted to let you know that I completed the refinance of my home this morning. I also wanted to let you know that Derek, who helped me through the process, was excellent. He answered all my questions and kept me updated on the process as well as any rate changes for the float down option (which I utilized). He is very customer focused and patient with his clients. Overall I am very pleased with the work that Derek did on my account and wanted to highlight this fact. You can count me as a 100% satisfied customer and will definitely recommend Derek for any future mortgage needs for friends & family.

Dean S. Houston, TX

Derek is an exceptional lender. Not only was he good enough to get the enthusiastic recommendation of two of my trusted friends, he was good enough for me to sit down and write this testament to his ability. Derek, first and foremost, is a teacher. I had already gone through the process of buying a house a few years ago, but I quickly found out how little I knew about the lending process. Derek spent over an hour on the phone with me the first time I called, patiently teaching me about what to look out for and how things worked in most house transactions. Over the next month, we spoke constantly about not just the buying of a new house, with which most lenders would be preoccupied, but also about the selling of our old house. These conversations proved to be invaluable and demonstrated his dedication to make sure that his clients get the best deal AND that they know what is happening and why. I never felt rushed to make a decision without a thorough explanation taking place first. Derek is friendly, conscientious, prompt, always available, and will fight for you when the process begins to bog down with title companies and everyone else who is legally required to have a hand in it. Finally, our realtor had recommended a lender that she had worked with before and trusted. I spoke with this lender several times so that I could make an informed decision about which lender I would choose. After I decided to go with Derek, my realtor was a bit apprehensive, but by the end of the sale, she would go on and on about how good Derek was about following up and keeping her in the loop. She also said that he was definitely on her recommendations list from now on, which is quite an accomplishment. And, if all that is not enough to convince you, he has the lowest lender fees I found, and acquired an interest rate that no one else could even come close to. Being an engineer, perhaps a simple equation is the best way I can explain how good Derek is at what he does: Best Service + Lowest Cost + Best Interest Rate = Derek

R.C. Conroe, TX

Thanks Derek for everything being done so professionally for our closing and refinance. We completed the customer satisfaction survey and rated you with EXCELLENT! Hope that gets you some big raise or a bonus!

T.J. M. Houston, TX

I have never sent a letter before on service I received, but I feel compelled to write this time. I found Derek through an online search and although I was a bit skeptical about looking for a lender on line, I decided to give it a try. Derek was our lender. He contacted me right away and even encouraged me to shop around stating he could give me the best rate and the best service. Derek was right. He indeed did everything he said and more. His service was the best I have ever received for any transaction. He answered all of our questions timely and even if I e-mailed him on a weekend, I received an answer. I could hardly believe it. He gave us his cell phone number and more importantly if you asked him a question he answered it in a way that was easy to understand. I especially liked the fact he would e-mail or call to keep me updated on where we were in the loan process so I was never wondering what was happening. I have told everyone I know they should use Derek. I wanted to write you this morning and tell you how Derek made us feel like we were his most important client even though I am sure he has many others. Your company should be proud to have someone as dedicated to service as Derek. Please let him know he is appreciated. Thank you very much.

Mike P. Houston, TX

I was very happy with Derek. He was excellent and took the time to explain various things. Highly recommend!

Richard S. W. Fort Worth, TX

I have dealt with Derek on two occasions for financing needs: The first was via internet inquiry when I was investigating re-financing my home. I had a special case where I wanted to refinance the house with an interest-only loan, but the house was not yet considered complete since it did not have a working kitchen (it was a repo and the previous owners apparently decided to take all the built-in appliances with them when vacating the house), and therefore no one was willing to lend the money. Rather than say it can’t be done, Derek did the legwork and found a lender who would not only re-finance, but add extra funding in the mortgage to complete the kitchen renovation. This creative solution allowed me to reduce my monthly payment, while also allowing me to hire someone to complete the renovations in two months, rather than me performing the work as originally planned, which would have taken at least 6 months. This win-win situation was carried out with very little of my time taken up, as Derek did all preparation, arranging, and contacting related to the closing process, as well as patiently answering my never ending questions about dealing with a construction-type loan for the renovation work. Everything was handled by Derek, and all I had to do was show up at closing to sign the paperwork. Nothing could have been simpler. The second occasion I sought Derek’s help was about 7 months later when I decided to consolidate my debts with an equity loan. I called Derek, told him my intentions, and he went to work. He found me the best deal, and the process started. Again, I had to do nothing except show up at closing to sign the paperwork. I can’t recommend enough using the resources available via internet lending information, and give the highest marks to Derek and the service he provides. This combination has proven to be the easiest and most efficient way to meet home financing needs.

Jerry A. Houston, TX

Derek, I wanted to thank you for your assistance with the closing on Arocha. It was a pleasure working with you. I enjoyed working with somebody that stays on top of their business and is always willing to assist the client in getting into their new home as fast as possible. I have worked with many other mortgage persons and you are the first that had the final approval and docs ready days before closing, considering I only gave you a little over 20 days to get their file ready to close. It made me feel very confident in you and I know I will again. Thank you once again and I am looking forward to working with you soon.

Carlo & Melissa R. Leander, TX

Derek, I hope all is well. I want to extend a hearty thank you from Melissa and me. We are moving into our new home this week and couldn’t be happier. If you recall we were asked to seek financing through our builder first even though we had already been pre-approved your company. The customer service was non-existent and their rates were not even close to being competitive. Derek, the service and attention to detail was first rate. The rates were competitive and you were able to deliver the exact loan product we needed. Our closing was smooth and went off without a hitch. Our agent commented that smooth closings like ours don’t happen very often and it’s usually because the lender doesn’t have all of the documents ready. Thanks to you everything was in order and ready to go. On behalf of my family, I want to thank you again for helping this dream come to fruition.

R. B. The Woodlands, TX

Derek was very helpful in getting the loan I wanted. He returned my calls in a very timely fashion. He also helped to make the closing very convenient for me. I came away from the experience really trusting his input and guidance.

Frank K. Humble, TX

Dear Derek, I would like to take this opportunity to thank you for your assistance in our home purchase. I initially selected you from the offers online and did not know you at all. Even though you and your bank are located 2,000 miles away, I felt that we received personal service. We communicated on an almost daily basis, including weekends when necessary, by phone and email. Whenever I had any questions or concerns, you responded promptly and professionally. At our closing, everyone commented that they were impressed with you and your company including the seller, real estate agency, the title company and our lawyer. Our settlement attorney also said he had not seen an interest rate this good in a while. I can recommend you without any reservations.

Dana S. Rockwall, TX

Derek was a pleasure to work with and I would refer him any day. This was my first time to buy a home and he took the time to explain all the details no matter how long it took for me to actually understand what he was saying. Thank you Derek!

L.T. & L.J. Houston, TX

Derek, This is just a little something that I chose for you to say thanks. Thanks for always taking the calls, always answering the most insipid questions and most importantly, for always doing it without making me feel like a doofus. You were an absolute blessing during my funding process. Always cheerful and Skippy! Always pleasant and professional! It just made all the difference Derek. You went above and beyond – every time!

Tom W. Katy, TX

Hi Derek, I just wanted to return my gratitude for your excellent loan services. You were friendly, very professional, and technically savvy. That was nice of you to introduce yourself, email me some other clients’ testimonies, and showed me how your company was highly rated compared to others, which made me feel comfortable and confident about the loan processes. Of course your rates and closing costs were very competitive if not the lowest. You were able to quickly and conveniently send me pdf files of all application and documents, and allow me to view/initial/sign documents electronically with DocuSign, and allow me to conveniently review and print all documents. You were also very responsive, informative and provided valuable guidance through out the loan processes, which made the whole experience so comfortable and easy, and I was able to close in 20 days. Even my buyer agent praised you for keeping all of us updated at all stages of the loan processes. I would definitely use your services again, and recommend to others as well. I also gave similar comments about your services to your end of transaction survey. Best regards, and keep up the excellent services!

Clint T. Hurst, TX

Derek, Thank you for your help in purchasing our new home. The process was easy. The rate was very competitive. The paperwork at time of closing was ½ of others. The closer at the title company even commented on the small amount of paperwork. Overall, the process was easy, streamlined, and very professional. I am glad I went through VA Loan Houston. I am even more pleased that I selected you and your company for the process. Good luck and I will direct all those that I can your way.

C. V. Manvel, TX

Derek, thanks for all your help through the entire process. You did a good job. I wish we did not have the issues with the builder towards the end. Thanks again.

Leonard S. Cypress, TX

Derek, I wanted to take a moment and provide some feedback for you and future customers. I began this process with another online lender and received a number of offers. Many of the companies came in very high on fees and I felt they weren’t really looking out for my best interest. I talked with a number of people before deciding to go with Derek. Quite honestly it was your easy going manner on the phone, your clear statement of the facts, and your patience that helped you win my business over your competitors. Throughout the process you kept me updated and answered all of my questions as quickly as you could. Any time I had a concern you were very quick to get the resolution I needed and work through issues that arose during the process. I would not hesitate to recommend your organization and you specifically, to anybody who needs a loan. I appreciate your willingness to be available to me any time, any day. Thanks again for being there when I had questions and thanks for making my loan a success.

Mike & Pat D. Keller, TX

Perfect marks earned and acknowledged. Thanks again for your efforts in our mortgage process.

Andrew P. G. IV Kingsville, TX

Recently my wife and I applied for a home loan with Derek. We chose his company initially due to its competitive interest rates. However, our decision to choose him was cemented after Derek’s advice on our current financial situation. He impressed us on many levels. Whenever we had a question regarding interest rates and other loan terms, Derek spent as much time as necessary to ensure that we understood all of the options available. In effect, Derek gave us a short course on home loans, allowing us to make informed decisions that best suited our situation (regardless of whether we ended up choosing him). We always felt entirely comfortable talking to Derek. He never talked down to us, although we were mostly ignorant concerning the subject of home loans. Derek impressed us as a forthright, extremely knowledgeable and highly ethical professional. We plan on using him for any future home purchases and will specifically recommend him to anyone we know who is applying for a home loan.

Buddy & Gerri K. Leesburg, TX

I would like to thank Derek for all the hard work he did to get us into our new house. He made it as painless as possible. He walked us through every step. If there was something we weren’t sure of he explained it to us in Plain English! He also helped us tremendously in selling our old house. There’s no way we could have done this without him. He went above & beyond what a lender has to do. Not only did we get into our new house without the hassles but also made a great friend. I would recommend Derek to anyone who is in the market for a mortgage. He got us the very best interest rate and then when the interest rates dropped he informed us that he had got us an even better rate. Can’t ask for more that! Thanks again Derek!

Jonathan B. Austin, TX

The mortgage experience with Derek was the simplest I’ve been through. He manages all parties involved from start to finish, finds the best and most effective providers to participate and ensures that the entire process takes as little effort as possible. I highly recommend his service.

Doug K. Decatur, TX

Hello, I am writing to express my appreciation for the work that Derek did for our refinance. The process was very easy and Derek explained each step as well as gave us a line by line estimate of the closing costs. The time it took to fill the applications and gather the necessary information was minimal and our questions were all answered with either an e-mail or phone call. I would recommend Derek to anyone wishing to finance or re-finance their home.

Patrick & Elisabeth W. Houston, TX

Dear Derek, My wife and I recently bought our first house and decided to use Derek to handle our mortgage. In short, we could not have made a better decision. I suspect that buying our first house is one of the most intimidating and nerve racking things we will ever do, and Derek helped us every step of the way and made the process noticeably easier. I spoke with three other mortgage officers before selecting Derek, simply because he was by far the most knowledgeable and always willing to help. Derek always answered his cell phone, even after normal business hours and on weekends. He informed us of things to watch out for during the process of negotiating with the seller, searched a few dozen banks for the best interest rate, was honest and upfront about his fees, and remained flexible through a particularly challenging closing. We recommend Derek to any home buyer.

Rafael B. Houston, TX

Hey Derek, I got that survey a couple days ago. and do not worry, I gave you very good score in everything. I really appreciate you help, it was really helpful when I was just starting to get into the money lending world. I can encourage you to keep treating clients in your way. you proved that the common saying that dealing with broker is a bad idea is wrong. you offered the best deal and the best customer service. I guess the “preferred lenders” for my company where to confident that I was going to choose them. Oh well, man, thanks again, good luck in your job. Take care!

Robert & Dianne A. Houston, TX

Derek went above and beyond his responsibilities. He was prompt, courteous, professional and honest. Derek was a true professional throughout the entire process and is a true asset to your organization.

Sophonia D. Houston, TX

This is my testimony: I knew I wanted to buy another house so I placed mine on the market. I had a buyer within a very short period of time. I did not know what to do I was frantic. I needed a loan and another house. So went on line to Lender.com and I got 4 different offers. Now I’m the type of person who likes to ask a lot of question and I don’t trust very many people. So I interviewed all 4. What I found to be the most annoying is procrastinators. When I need something done I want it done in a timely matter. Needless to say Derek answered all my question and educated me on some things which would help me save money later. And he did not make it seems as though I was giving him a hard time. He responded to all my request without delay. All this before I even decided to choose him. This was a good sign we could work together to make this transaction a smooth one. So if you are like me, don’t like procrastinators and you want someone who will be efficient. Derek is the man for you. And the Fees weren’t bad either. Thanks Derek for all your help.

Mike R. Dallas, TX

Very professional and detail oriented loan officer, Derek. Absolutely excellent customer service, delivered on all promises on time and as stated.

Charlie B. Dripping Springs, TX

Hello Derek Just wanted to thank you for the way you handled my loan on my new Texas home, everything went smoothly and we met the closing deadline we needed to meet, and even gave me a follow-up call, thanks again.

Doug R. Klein, TX

Everything went well. Very smooth and you received high marks from the closing company.

Iwona C. Houston, TX

Derek! Wow – it is done. You have done an amazing job and have provided phenomenal customer service. You went the extra mile EVERY STEP OF THE WAY. You are amazing and I will gladly work with you every time I buy a house! I meant this. Thank you so much.

George P. Houston, TX

Derek, I understand the meaning behind building relationships, especially in the real estate business. Honestly, I think that you are the one of the few select this industry has when it comes to understanding people and delivering on your words, and there should be more loan professionals such as yourself. Your straight-forward advice and up-front honesty is exactly what I expect when dealing with real estate professionals, and I believe that it’s going to take you a long way! P.S. Great job again! The Giordanos’ were ecstatic this morning at the closing!