Where to start. I would recommend not doing any business what so ever with this man. There is a lack of communication, and respect from John. You don't ask for documents 30 min before you leave the office and then tell the sellers real estate agent "It doesn't look like the loan is going to close on time because the buyers (me and my girlfriend) haven't gotten me docs. The docs were faxed to him before midnight that night to make sure things were on time. Unfortunately the damage was done, the seller insisted that we pay $50 per day the loan was late on closing, which was set at 35 day in the original contract. No leeway what so ever. In everything John's only excuse was he had 55 other loans to deal with and he couldn't give use or our real estate agent the time we were asking for. John if you read this, find another line of work. You should be fired