This was my second time working with Chris and my second time being extremely satisfied with the results. I have done an FHA mortgage with Chris and also a refinance on the same house in the past year and a half. Chris is efficient, professional, and very responsive. I needed my refinance done in a very short period of time and Chris closed on my refinance even quicker than I thought was possible. I would highly recommend Chris' services to anyone. As I have to all my family members and friends. I look forward to working with Chris again in the future.