Bret made this process painless. I’ve heard horror stories about the loan process in general, and I can honestly say that Bret’s expertise made the borrowing experience the simplest piece of the home buying process (and I’m a first-timer!) I live in Denver where the market is fast-paced and Bret was available around the clock to help me be as competitive as possible. The closing process was excellently managed by Bret and his colleagues, and he stuck to the dates in our contract. Additionally, the closing costs were literally half what I was quoted by a local broker, and listing agents in my area had a great deal of respect for the bank. The interest rate was incredible, even with little money down. Bret is an all around great loan officer and I hope to tap his expertise for any and all future real estate transactions. Thanks, Bret!