I was in the middle of a refi with another mortgage company who I felt was not upfront about costs from the beginning and was not answering many questions I had based on estimates they were sending me. They were not direct and at times could (or did not) answer my questions. So I turned to Zillow and posted the questions trying to find and clarify answers to questions my lender didn’t provide. Justin at CMG was extremely helpful, responded to questions immediately and in way that was clear and concise for the novice refinancer. He did not attempt to solicit business, just provided answers. After getting information from Justin and my lack of trust in the lender I had been working with I opted to back out of my refi with the lender and decided to contact Justin myself and do my refi through him. Justin was extremely knowledgeable, responsive at even off business hours via e-mail and provided multiple interest rates and explained how each one would effect me both short-term and long-term. He was extremely thorough and efficient and my loan was processed and closed within the month. I would highly recommend Justin at Courtesy Mortgage!