I have done a few deals with Chris, as he was the mortgage broker and I was the Realtor in the transaction. Chris has done an excellent job for me and my clients and here is why... 1. He answers his phone 2. He prepares his clients for REAL expectations 3 He answers email 4. Access to competitive rates 5. Direct lender 6. Updates you during the underwriting process(GOOD OR BAD) 7. Meets in person with clients 8. Works hard and does it full time 9. Did I mention he answers his phone and replies to emails?