I dealt with other lending institutions from previous refinances and home purchases. I have never had such a wonderful experience. I could always count on Rick to call me back when I left a message for him. Everyone, "my realtor" was happy to hear that I was using hom as my mortgage broker. She said, they love working with him because he is so informative and kept them posted on the progress of my mortgage and they new it would close. He has an excellent reputation throughout the community. 

This was the smoothest and most pleasant home buying, mortgage experienced together from one broker handling everything. The communication was very good, which is very important understanding the benefits of paying no closing cost. It made sense to us for the savings in closing the transaction in 14 days. I'm still like really, you can do this! I'm still smiling. Oh, did I mention, I met Rick when he was putting a small yard sign in the front yard of the house. I would drive through the area on my lunch hour once a week or so. Rick explained the benefits of working with him, handling the financing along with his closing team that close in as little as two weeks. I was like okay.