I agree with Keda, we've done two mortgages with Bill, Ashley and the rest of his team and I cannot say enough good things about them. We attempted to get a loan from BofA in 2012 for our first home - a new construction condo. That experience was horrible and we ended up almost losing the condo because BofA could't meet their promises. Bill stepped in and completed our loan in 14 days. Our second loan was a breeze. We have always found them to be upfront, extremely knowledgeable, responsive and efficient. If you are getting frustrated with the larger financial institutions (as we were), talk to Bill and you will be completely satisfied. We will never use any other lender again. Thanks Bill!