Jeff will always be our number-one choice for mortgage lending. Period. After working with him once, we knew that would be the case. Unfortunately, we were steered toward other lenders by the bank who had our construction loan, and we quickly realized we should have taken our own advice and insisted on Jeff when things took an awful turn.
We had a difficult case--a converted commercial building that had never been financed before--and we were under a tight timeline to pay off our construction loan and get into a conventional mortgage while rates were starting to rise. The mortgage lenders who were lined up to take over where the construction loan ended bailed at the last minute, causing us to lose our rate lock. They then handed our case off to someone equally incompetent, who denied our loan request after weeks of paperwork and back-and-forth. Feeling like two-time losers, we received a call from Jeff, and the rest is history.
Since we refinanced our last home in 2008, Jeff has stayed in touch, calling us periodically to check on us and see how we were progressing in our dreams to build another home. He never laughed at us or told us we were crazy (he probably should have), but he has always been a straight shooter, and has been very honest about what he could and could not do for us. His fees are much more reasonable than the other organizations we (almost) worked with, and his team is prompt, thorough, and professional. He called us personally at every stage in this process, understanding how head-shy we were based on our recent experience.
This process of converting a commercial building into a home has taught us a lot that we didn't expect to learn, especially about the current state of the mortgage industry. One thing we have learned is that when it comes to your home, it's important to insist upon working with people who will advocate for you. Next time, we won't waste three months working with folks who won't make the extra effort. We'll call Jeff.