In my recent home purchase, the builder’s preferred lender ran into issue with loan although my financial situation did not change. 3 weeks left to close, I contacted Tony since I previously worked with him and was a happy customer of his. He reacted so quickly and offered even better rate. His estimate were accurate, nothing hidden. Most amazingly, in spite of only 3 weeks left, he's got everything underwitten, ready to go well ahead of the closing date.