My Girlfriend and I started the process of getting our house in late February before the Corona Virus had such an impact on Virginia. Mark and his team managed to help us secure our loan and close on our DREAM house by our intended close date! With all the uncertainty and unprecedented things happening from the federal government and economy it would have been easier to give up on this process and start fresh when things were back to normal. Mark and his team went above and beyond by not taking the easy road and putting in way more time/effort that is typically needed. The transparency his team works with was extremely beneficial for me being a first time home buyer and the rate I managed to obtain is unreal. I 100% believe that if I went with another lender that I would not be able to call myself a home owner today. I’m happily leaving this review that was earned by the STM team I worked with and have personally told Mark I would give them a reference anytime.