This is more a review of the bank and not Phil in particular. We had a 45 day close - plenty of time for all things to be handled well, and yet we closed a day late, with lots of drama in the middle. The bank's appraiser quit 3 weeks after he reviewed the house, and the lending agent kept telling us things were fine, or that they were really backed up in the appraisals department. I had to follow up repeatedly to get action on items or information as to where the process stood. I asked on multiple occasions, do you need anything else from me? The answer was always, no, everything looks great, and then I'd get hit with a request for more information two days later. At one point they asked for proof that my earnest money had cleared the bank - when it had already been in deposit at escrow for 3 weeks! Very frustrated with a slow and opaque process, and will not be using US Bank for future purchases.