Read everything that is sent to you. Don’t say “lock the rate” even over the phone unless you’re 100% ready. They take a phone conversation about current rates as your lock rate request. Nothing in writing, nothing to review and think about…you’re locked in. Period. I found rates much lower at other institutions. I finally got him to ask approval for less points. Loan disclosure took 5 attempts and corrections. Review closely! At closing, the title agency was less than desirable. We had to walk through 3 employees standing at the front door smoking. Rude and disrespectful. I have asthma and was not happy about this.

He went beyond to make sure the process was a success

Purchasing a new home is already stressful. Tom has made this process even more difficult. His communication skills are very subpar. He takes days if not not weeks to respond back to you. He is very hard to get a hold of. He does not answer questions asked and he when he does answer, its usually answered with a question. He becomes increasingly agitated when asked questions, he even yelled at me dispite having a hoarsed voice. He just isn't helpful at all. I sent Tom an email explaining how his poor communication is affecting me and he took weeks to even acknowledge it. He gives misleading information and information that is not factual. He gives false Information that can be detrimental to your home buying process. I really hope he is relieved of his position soon because he has no business in this profession if he doesn't know how to conduct himself or have any interest in meeting the needs of potential buyers.

Tom was great to work with from start to finish. He even made some recommendations based on his knowledge and experience in the industry.

Communication was impeccable Quality services Timely delivery Overall great satisfaction