We were first-time home-buyers and had little knowledge of the home-buying process. Right from the very beginning, we knew that the pre-approval and mortgage process would go smoothly, as Chris answered all of our questions in a knowledgable and easy to understand manner. He was polite, courteous and extremely helpful. He was able to do the entire process over the phone and via email, which was very convenient for our busy schedules. He was always available for our questions in a timely manner. We got a great rate, and he assured us that he would notify us for refinancing if rates get better. He even has called to make sure we are satisfied with our mortgage and has answered some questions we had after our purchase. I cannot stress enough what a great guy Chris is and how easy this whole process has been. I recommend Chris to anyone! We will use him again when we upgrade. We are some extremely happy customers!