There is so much great things I can say about Sam Britt, his team, and his company as a whole but ill get it short and sweet. This is the third home where I used Sam as my lender and would use him again and again if I had to do it all over. His aptitude for first time buyers as well as seasoned buyers is top level. He was there to answer my questions day, night, weekends, and holidays. He and his team really went the extra miles to ensure I had everything I needed. Not only will he help you through the buying process, he will present all options to you and help manage your own finances so you get the best option that works for you. He will do all in his power to make sure you can buy the house, but help you not be house poor by buying outside of your budget where all you can do is pay for the house. If you choose Sam and tam, they will exceed your exceptions. Thank you