David Parker was referred to us by a family friend and we could not be happier. From the moment we asked for loan proposals David was quick to respond, attentive, and followed-up. There were times, I was working on the loan requirements after business hours or on the weekends, and he always responded quickly to my questions. The closing costs were much lower than expected due to a tax credit we received. The closing costs were already much lower than competing entities due to their Costco Member program. If you have a Costco Membership, I would highly recommend taking advantage of their program. I would use David again for my mortgage needs. He gave us multiple options on how to lower our interest rate. I did not take advantage of a first time home buyer program because I was uneducated, but if you are a first time home buyer, I would look into programs available to you.