So while working with a previous lender, we ran into three major issues. First was the lack of respons/customer report, second was dealing with an issue of a fraudulent purchase, last was absurd closing costs. After me and my fiance switch to Nick it was like a stress and worries went away. Nick was always prompt with response, like within an hour response, compare to the previous lender who would talk up to weeks two weeks to respond. Next was there was a previous fraudulent mortgage tied to my name, but with Nicks help and his compliance team they where able to clear it from my name within the final hour to close on the requested closing date. Lastly was the closing cost, our previous lender on top of a 6000 earnest money deposit they where charging additional fees that would cost an additional 4000. After review with Nick we found that not only will we get most of our earnest money back, but also lower our interest rate on the mortgage by about 0.5%. Just amazing job and would recommended to anyone working to get a loan Specially Veterans.