There are many reasons I have worked with Tammy now for 20 years. I have always been impressed with her in-depth and up-to-date knowledge of the market, rates, programs, and trends. Tammy has always worked very hard on my behalf to ensure everything from rate locks to programs is communicated. Working within my timeframes she coordinates a smooth closing. Tammy takes the needed time to understand her client’s needs and to tailor the best financial solution possible for them. Moreover, Tammy does an outstanding job of building immediate rapport with every realtor I’ve used. She instills a great deal of confidence in every transaction. I would highly recommend Tammy to anyone needing a mortgage lender.