All I can say is WOW!!! Great service. This guy is a veteran when it comes to the lending industry and he knows how to navigate the complexities of mortgage lending guidelines. He has a fantastic team that ensures no mistakes are made and therefore, no surprises at the closing table. Our loan was a bit tricky for a number of reasons but Phil suggested a perfect fit for our budget & needs and then followed through with the underwriting staff to make sure that what he promised- he delivered. In our case, our Realtor was on vacation so he made it a point to be there with us at signing to ensure all documentation was accurate. If you are looking for the best, look no further.