You guys were fabulous. I appreciate the help. You explained everything so it made sense to me. The fact that you were able to secure my mortgage after the insulting way the last broker treated me was amazing. I will be singing your praises to all I encounter. Your firm is to be commended. My first house took 11 months to close. You guys did it in what three weeks that what I call being on your game. You were respectful courteous. You didn't mind the calls and texts after 6pm, LOL. Others saw someone that could be taken advantage of Joe never once treated me that way. I will always be grateful for your help.