As a retired loan officer, who has dealt with incompetent loan officers, and battled with underwriters, processors, appraisers, etc. in my 25 year career, I was hoping for the best but expecting the worst. Guess what....the worst never happened. Dave Wick, my MLO was on top of my file from the git go and never missed a deadline through closing. Marcia Maes, his processor was aMAESing, sorry. Communication was consistent, clear and understandable, with a minimum of lender speak. Promises made were delivered without fail. Easy, stress free transaction, fair pricing, transparent all the way through and a great rate to boot. You won't be disappointed.