“This was the second loan I have done with Jay Solverson, but the first with Homebridge. My first experience was very unique-and part of the aftermath of the 2008 Financial crisis and he went several extra miles. When it came time refi my existing mortgage,I remembered and talked with Jay. Even though every lender is slammed with applications due to the low rates, I appreciate that he talks through the process- credit scores, various options and costs- not just the interest rate or the programs he has to offer. I was considering a standard refi, cash-out, HELOC. I consulted Jay, and I replied to some of the zillion offers I got from "checking rates" on the Internet as My phone and email buzzed immediately. I even thought that I was going to go with another lender who appeared cheaper for the same rate. However, I talked with Jay, sent him the Loan Estimate- and asked if I was missing something in my comparison, which I was! I technically (happily) paid a few hundred dollars more than the other lender, but my loan was done and could be closed. Most importantly,I had conversations and got info from Jay And his team that the Many competitors did not offer. My loan fits me today, and my future goals. To me that was well worth it. I'll definitely consult Jay for future needs as well- especially since he is not limited to a local geography. ”