I first placed a Loan request back in Mid-july. Based on the quotes I got, I contacted a couple of the brokers. James was one of them. I contacted him because of two reasons, first he was local and second he had one of the best overall quote. He promptly answered all my questions and presented me with different options and explained the pros and cons of the different options very clearly. While running the numbers for the different scenario, he never put any pressure to commit to any. Since the rate started to trend up at that time, I decided to wait. When the rates again dipped a couple of weeks ago, I decided to go ahead with my refinance. The day I called James, he locked me in with a rate that I was comfortable with within hours. We signed the paper yesterday. The whole process took ONLY twelve days, from my call to signing the paper. James was very professional, answered all my questions promptly, and was present at the signing to ensure everything goes smoothly and there are no surprises. I highly recommend him to anyone. I know I will contact him again, if I decide to refinance again.