John is intelligent, professional, and a straight-shooter. There was no bologna, sales hype, or any type of confusing, unpredictable rate changes. John made things clear and understandable. He did exactly what he said he would do for us, both rate-wise and with a quick closing. Through every step of the process, John was upbeat, inclusive and honest. At no time did he insult our intelligence or make excuses. He simply delivered! We, therefore, very highly recommend John and the entire HomeBridge Financial Services team!