Buying or re-financing a home can be very overwhelming. Having an honest, reliable and competent representative is as important as having the same characteristics in an attorney if you were to go to court. You would be foolish to due so without proper competent counsel. I have worked with Mark for over the past 10 years. I have purchased and refinanced several homes. Mark has been there for me (even while he was away on vacation) and able to answer my questions and ensure any issues were handled. Loans can be complex. They can be sold during the course of your mortgage. When issues arise with the loan company, Mark immediately pulls my file up, contacts the lender, asks straight forward questions and brings resolve with answers right away. Not only is Mark a true professional in the lending institution, he has become a personal friend. He is always calm, composed and personable. Never making me feel "stupid" when I ask those stupid questions about my loans. Am I going to get a toaster or commission if you go with Mark? No. But I will and do highly recommend Mark during any new purchases and/or refinance needs. In a world where customer service is lacking, Mark provides the utmost in customer service! Thank you Mark! Sam