Chris worked with me on my first mortgage as well as re-financing a year later. He understood the worries and concerns of a first-time buyer and was patient, clear and helpful. He always made sure to check that all of my questions were answered and was flexible and responsive at all hours of the day (and night and weekend!). Chris also has great people skills and made my husband and I feel at ease. He was always interesting to talk with and unlike some others in the industry, always came across as approachable. I have always been impressed with Chris' customer service skills-- he does a lot of pro-active marketing and customer outreach using on and off-line channels. Chris comes across as someone who really "gets it" in an industry where many are stuck in a rut. I highly recommend working with Chris if you're looking for someone knowledgeable, supportive and service-oriented.