The J and J Coastal team were able to recognize what direction we should be going with our home mortgages from the start and were clear about the process right from our first conversation. We appreciate their personalized customer service. They always answered my calls, as well as the emails late into the evening and weekend. We had some issues with the valuation and the 3rd mortgage, but the J and J team worked through those problems quickly and diligently and kept us informed through the whole process. We ended up with an outstanding rate that will save us over $1,000 per month in interest payments alone. I have and will recommend the J and J team to anyone looking for financing.