I was referred to Ms. Julie Melser by my realtor, who highly recommended Julie. She portrayed Julie as extremely thorough, very dedicated to her work, and very knowledgeable of the marketplace, her products and her competitor products. In addition, she advised me that Julie was very personal in her approach of dealing with her clientele, always seeking to learn about them and understand their needs and goals as they traversed the home buying and financing process. I found Ms. Melser to be exactly what my realtor described, and more. She was absolutely outstanding in all phases of her work, her communication and her willingness to go the extra mile to make sure I was not only comfortable with what we were doing, but that I understood everything we were doing and why. I cannot describe how pleasurable an experience it was working with Ms. Julie. She was OUTSTANDING!! An A+++ and I will do my best to refer future prospects to her, as I have great confidence that she will handle them as wonderfully as she handled my home financing process. JOB WELL DONE JULIE—YOU ROCK!! How nice it is to see a person who is conscientious about their work product and is willing to do what it takes to get the job done right the first time!