Bill - Where can I start? God am I glad I got to talk to you while shopping for mortgage lenders. Right from the word go Bill was amazing. He was the only one that gave us pros and cons of so many factors that go into mortgage rates and gave us a very competitive loan that was not to matched by any other lender. It was a great experience to work with BIll and his team (Daniel Gattuso). With a very short contingency time period that we had, these guys made it look like a joke and got everything done at lightning speed. It was also very easy to work with his team to complete every step in the loan process without too many hiccups. Thank You guys. You were awesome..