As first home buyers..My husband and me were so lucky to get Jeff as our lender. He explained everything and every single step to us since the first moment, making sure we understand the various loan types choosing the option that works the best for us and our needs. We were tight on time for our closing date upon the seller's request, but Jeff and his exceptional team were able to do it right on time, keeping us updated on every single step, answering all our questions through the whole process . It was really a stress-free experience and everything was going through seemlessly. Also, Jeff did an excellent job making the best use of our seller credit to reduce our monthly payment as much as possible, which was crucial for us. So, at the end we got our dream house with affordable monthly payments. Thanks Jeff and your great knowledgeable team for helping us tremendously in this big step in our life. So, anyone who is looking for financing their house with smooth, 0-stress experience, Jeff and his amazing team are there for you.