Betsy was recommended to me by a friend but I honestly would never recommend her, especially not to a first time home buyer. She was always too busy (two funerals, two conferences, and a class during the afternoons) to answer my questions or "didn't have the figures in front of her" to explain the changes up and down (this happened several times). At one point she quoted completely different numbers which were more than $10K more than she had originally told me (I am pretty sure she got me mixed up with a different client). When I got stressed she told me: if you don't calm down I will bop you on the head. She meant it as a joke but it was really condescending. When making a 30 year commitment, you want someone willing to walk you through things and answer your questions. Betsy had two deaths occur close to her during my 6 week interaction with her, which I have the most sympathy for, but the loan should have been passed to someone else who could attend their clients.