I refinanced my home this month and from the first day until settlement, Kelly was there every step of the way. I was pleased with my rate and service received from Kelly and his team. Any questions, concerns, thoughts, advice… Kelly was there. Always providing superb service and very prompt. I would recommend Kelly to anyone whether it is a first time home buy, refinance, second home, vacation home.. whatever the case, Kelly is my loan originator recommendation. He is very knowledgeable in the business and it shows. I felt like he was my friend versus me being just another client; he cares about his clients and it shows. Kelly is truly extraordinary. Many Many Many Thanks!