Tom and his team were extremely easy to work with. I had a bit of a challenge with an initial low appraisal from another lender and so I began working with him late in the game after my offer had already been accepted on a house. He responded back over the weekend, jumped on everything immediately, and we had a second appraisal within the week! He always responded in a timely manner but took the time to explain all of my questions in detail and was very transparent about fees and costs. His knowledge and quick turn around time helped me get the deal done and a mortgage that I feel confident about. Thanks team!