I have not closed the loan yet, but I will be closing with Ben. Ben was the only lender out of 33 quotes to guarantee his closing costs. His in depth mortgage analysis made it very easy to compare different loans. He took the time to show me that it was actually cheaper to pay an origination fee and take the tax deduction than to roll it into the mortgage rate. Compared to all other quotes I received, Ben was heads and shoulders above everyone else! I cannot say enough good things.