I have had an awesome experience with these guys! I was skeptical when James told me he could work out a rate 2.375% lower than the prime rate (and a full percent lower than other companies, after buying a point). Other mortgage companies said it couldn't be possible, and my real estate agent had some doubts. Well, I closed today with this fantastic rate, a very low mortgage insurance, and an overall monthly mortgage that really helps me be comfortable, and continue to save some money. James was a genuine superstar, and answered every question with expertise. Karen was incredible, too! Always on time, helping me get things straightened out any time something came up. This amazing team helped me close in less than 20 days from contacting them. I would absolutely reccommend this company, and I'm all the way in Florida!