Wayne is an excellent Mortgage Loan Originator! He reviewed my current situation and gave me very clear understanding of all the options available. He took the time to calculate my different options and send each of the calculations with detailed explanation of the pros and cons. I was in my 7th year in a 6 month libor and was convinced the way to go was a 30-year fixed. Wayne pointed me to a 15-year Conventional. After working with Wayne over two months (delays on my end) and 3 locks, Wayne came through with an incredible low rate and low closing costs. After going through a number of mortgage sharks, my experience with Wayne was definitely a breath of fresh air. He’s fair and honest, and a really nice guy. I would would highly recommend him to all my friends and family. Thanks again, Wayne, for all your hard work on my refinance!