As all homeowners know buying and refinancing can be stressful. As an independent single female I could not be more impressed with how Mr. Graves assisted me in both processes. He took care of all the details, ensured I was saving money monthly on my mortgage. His communication throughout the process was concise , detailed so I never really worried about anything. Then one day it was done, everything in order brought to my office to close in between me seeing patients. He never wasted my time, always respected my tight schedule. I would not be a homeowner nor have such a great rate if it was not for his standards of professionalism , knowledge of the business and expedite delivery of what is promised. I have purchased two homes prior and they have been strenuous at best. I will never use anyone else- the best by far in the industry. Forever a fan