I was introduced to Bill after submitting an Internet inquiry about mortgage rates, the kind where 4 or more mortgage brokers contact you afterward. My circumstances changed however, and I explained to Bill as well as the others that I would contact them when I was once again ready. Bill was the only one that listened, while the others continued to contact me over and over. Bill did an outstanding job of moving me through the refinance of my home. He is a gentleman as well as a true professional. I would highly recommend him.