I had a pre-approved home loan from Vystar CU and I was pretty set on using Vystar CU as my lender UNTIL I tried to call Vystar with a question about ANYTHING. Everytime I called I would get voicemail saying that Vystar had 48 hour to respond. Now in comes Eddie O'Keefe and SWBC Mortgage, I told Eddie about my Vystar pre-approval and he said let SWBC try to beat their numbers, I thought why not and Eddie was off and running. Within the hour he send me a detailed estimated loan with all the fees in a very easy to read package. I still had not completely decided on Eddie and SWBC UNTIL I texted Eddie question after question and he was quick to respond to ALL my questions, sometimes even late in the evening. Eddie gained my trust and I decided on SWBC because of his quick communication. Eddie earned his paycheck on this loan because I had a million questions and he never hesitated to completely explain WHATEVER I threw his way. If you are looking for a lender I HIGHLY recommend Eddie O'Keefe and SWBC!