We had the best experience with Derek. We had attempted to work with other lenders before but they were not particularly friendly, had lots of ridiculous questions and were overall a frustrating experience...but not Derek. He was kind, helpful, energetic and excited to help. He asked reasonable questions and answered all our stupid questions with a pleasant and accurate response. If you need lender, there is no one I recommend higher. I admitantly have never even met him! He has done our entire process by email at our request, which has been phenomenally easy. If you need a great, easy going guy to work with on the purchase of a new home, definitely contact Derek!!