Simply put, there is no one else with whom I would rather work. Dave is professional, timely, efficient, and knowledgeable. His relentless pursuit to provide us with a no-cost refinance in under three weeks is a feat many other lenders cannot compete. We used Dave to compare a Good Faith Estimate (GFE) that we received from Quicken Loans and were pleasantly surprised at his willingness to explain the major differences between what they were providing and what he could provide. He laid out several options for us and used decades worth of experience to guide us towards a loan that was $150 less per month, reduced our loan balance by over $1000, and at NO COST. Since my timeline was compressed due to a military deployment, it seemed like Dave had another gear by closing my loan in under three weeks. Come to find out, he closes all of his loans that fast! Dave has my highest recommendation for your loan.