The reference to Tony initially came from our agent that I loved but I was wary of self-dealing because this was all new to me. So I absolutely cross shopped during the pre-approval process. I compared small credit unions, large banks, and mortgage lenders. We were focused on our total costs, so we analyzed each offer for the Interest rate, total closing costs, and the resulting APR. Some didn’t respond very quickly, others didn’t have competitive interest rates or one case offered a slightly cheaper rate but with $4,000 more in closing costs. Tony absolutely brought us the best deal. His staff were very helpful in guiding us through the underwriting the process, educating us on specifics like co-ownership of a property in my stay at home wife’s name. As we worked through the 30 vs 15 loan term, Tony sent me another iteration at 3am. This man works for you & earns your business. As we talked when or if to lock in the mortgage rate his knowledge & experience was very appreciated. I had so many questions about the minutia of the deal because this was such a large purchase and Tony answered them all. I could not recommend a finer loan officer.