Jeff helped me through my first mortgage and was WONDERFUL. I have referred so many people his way and positive feedback from them was given to me after their experience. He knows the market, understands the best options for each purchaser. I even referred my daughter to him for their mortgage. He also does re-finance, but I have had not experience with him in this area. However, if history and experience is any indication, he will also knock this out of the park. Highly respected and honest. I would recommend using Jeff every day.