Steve has helped me 3 times now with mortgage or refi, everytime he has delivered on what he quoted me. The first mortgage he got me, I was in total shock of not only getting a mortgage, ( due to finacial mistakes I made in my 20's) but getting a good rate at that. He walked me through paying off bad debts i had and quickly got me in a better situation to secure the mortgage. He has helped me on 2 refis since and this last one as much as I wanted to visit with him, he quickly and effiecently had the whole process done electronically ( with many reminders from him). I highly recomend Steve for all your mortgage or finacial needs he gladly offers.