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. 

I was referred to Rick to assist in purchasing my first home along with getting qualified, approved to start looking. He knew my budget from the begining and made sure that we didn't exceed that. During the process of completing all the paperwork, his team was great and readily available to answer any questions that I had. With this process being a foreign language to me, they were able to breakdown the information in a way that was understandable to the average person. Thanks again to Rick and his team for making the purchase of my first home simple!!