This is my 4th loan through Phil at Home Loans Today. I called him because the first lender was quoting ridiculous rates and causing me anxiety. Phil stepped in, right off the bat quoted the best rate (better than 3 other lenders). He took over the loan and closed for me (as always) in short time and with ease. I give Phil's number out to anyone looking for a loan. If I could give 10 stars, I would.