Being a first time homebuyer has many unknowns but Phil really lead my husband and I on an unforgettable purchasing journey. I was using my VA benefits and Phil knew the process inside and out. He made himself available to answer any questions which made the loan process smooth and enjoyable. He is very personable and took the stress out of all aspects. I was juggling many things in life and Phil was very accommodating and worked around my schedule. I will recommend him to my friends and family.