I was bit skeptical in the beginning with the quote I got from him and also so many good reviews for him. In the beginning it took a bit longer to get response back but I think that is how Mike and his team works, to the point and concise and behind the scenes. I was so happy with the end result that he followed through on his promise, the difference between HUD and GFE was negligible, got me a very good deal and kept his words. Make sure that you ask about all the various options per your needs and he will be more than happy to give you all that, make sure that you your documentation in order and then it will be all smooth. I will recommend him to everyone and will definitely do business with him in future. Thanks.