I researched rates and knew what I wanted was a stretch but in talking with Tim, he went the extra mile and secured the interest rate I sought. I really appreciated him keeping me up to date so thoroughly. This sounds so minor but his emails always started with a pleasantry. We emailed so many times that I really started to appreciate the fact that when I opened his email, it wouldn’t be a demand for something but rather a nice welcome and then a good explanation of where we are and what, if anything, was needed. Tim was also wonderful in spending a lot of time answering my detailed questions and not only that, he WANTED to be sure I was comfortable and understood the answer. I usually deal with my credit union for all my mortgages but I will happily refer Tim to anyone I know who needs financing. Thanks so much Tim & keep up the great work!!