I highly recommend working with Jack! He worked on our mortgage in 2009, and then again on a refinance in 2011. When working on our 2009 mortgage, we encountered a collection that was reported in error, and it was negatively impacting our credit rating (increasing our monthly mortgage payment by a lot). Jack worked tirelessly to help us correct that collection and how it was inadvertently reported. We were able to raise our credit score in time to lock into the correct (and affordable) monthly mortgage rate. We would not have been able to do it without Jack's hard work and industry knowledge.