The whole loan process went smoothly without any problem or delay. The process went as scheduled, days, dates & time was honored. Everyone was great. Very good job “Derek McGowan”. He was most excellent to work with. He analyzed our situation and offered us multiple options. Over the life of the loan, he saved us a lot of money. Even when the loan process was moved to the actual loan processor, he still followed up on emails. At the beginning of the mortgage process, there were not that many communications and there were misunderstandings but when it has started, and we accepted the deal, it went so fast and Derek did such a great job. We felt very comfortable dealing with Derek. It was like talking to a friend. He has our high recommendation as a loan officer of future homeowners.