I can't thank Steve enough! For someone that was an extreme rookie when it comes to first time home buying, he made is super simple to understand. Steve took everything with my situation into consideration and was able to get me the best rate possible. He guided me on every decision and offered his most sincere advice. On top of that, he's available at almost any hour, it's like he doesn't sleep! I highly recommend Steve for anyone's lending needs. He's a great guy, and I would definitely work with him again in the future!