First time I spoke to him on the phone was at 7:30pm on a weekday and he was still at his office. He was extremely thorough with providing the best available loan options to me immediately and explained them in detail. Followed up with an email GFE quote as discussed over our phone conversation and ensured information was received by another phone call. Our correspondence wasn't completed until 9:30pm. Interest rates were slightly higher (1/8%) than my current lender, but Gary's service was excellent and extremely professional.