I am confident you’ll find no better service than that of Nic Gills at Southern Mortgage in Chester, MD. Nic and his team are not only impeccably professional and competent, they are personable, caring and respectful. The mortgage process can be challenging collecting all the documentation from third parties, waiting for inspections, etc.—Nic and his team help with this process and are always there to answer questions, return phone calls promptly and, most importantly, sincerely care about your application and getting it processed in a timely manner that meets the date on your purchase agreement. I give Nic Gills and his team at Southern Trust the highest recommendation possible—and would never consider using one of the big banks again knowing you can such personalized service.