Brad is hands down an AMAZING person amd LENDER! This was my second home purchase and I used a VA home loan.
OVERALL: From start to finish the process was PRISTINE. I literally closed on my loan 4 days early and that was WITH the VA APRRAISER going over the recommended time by 3-4 days which was out of our control but some how Brad worked magic.
RATES: When Brad said NO ONE BEATS HIM he isn't lying. There was no game of back and forth, he gives you the absolute best rate up front. Other lenders tried to "lock me in" under the market low (THAT US A NASTY TRICK AND HE CAN EXPLAIN HOW AND WHY ). Brad does his due diligence and it shows. His moral and ethical compass is unmatched.
RESPONSE TIME: Wheter it was text, call, or email Brad was ALWAYS on it. He must have a VERY understanding family because he is on it. At one point I found myseld asking if he was on an automated system lol. During a home buying process Communication is key especially with the lender, Brad IS THE MASTER KEY! AND he is extreamly pleseant, personable, and nice.
LOCAL LENDER OR BRAD: I was extremely skeptical about using an internet lender that wasn't local. BUT quantity ,quality, and times of last ratings matter for LENDERS. TBH I was initally using the internet companies for rate comparisons and planned to go with a local lender but then Brad came through with the best rate, timely responses, great energy, AND reviews to back it up. So about one in a half-two weeks after the accepted contract I decided to change to Brad. There was no bully or pressure from Brad, I just started comparing rates late because I thought I was going to go with the local lender no matter what. BUT you should always compare and Im glad I did. Brad won AND his rates were not a ploy. HE wasn't impressive JUST as an internet lender, he was impressive as a LENDER period and MORE SO because he wasn't local and outshined even the top notch local lender in my area.
ALL IN ALL GO WITH BRAD, You wont be disappointed. It took less than 26 days for the VA home loan to close , and Brad had it all done by the 25th day when he got it on the 10th day. So it took him 15 days (the VA appraisal took 14 days to get with Tidewater being envoked) . HE IS A BEAST! I'm DEFINITELY referring people and using him again for future buys (my realator was even impressed )