This is the 3rd time I have hired with Bernard and his awesome team to deal with my mortgage. I have done 2 purchase and 2 refinance with them.They are quick to respond and they work hard to give you the best deal for your current situation. The line of communication is always open and they are actually on top of it, always helping me to get the necessary paperwork and documents in for them to work. When I am up for another home purchase or refinance I will do business with them again. They are professional and reliable and dependable.