Nick really does deserve 5 stars in all catagories. My sitsuation had issues that constantly came up, Nick nailed every one down, and got me approved, and did it with a high degree of efficiency and professionalism. I'm recommending Nick to all my fellow Veterans, because I know he always goes above and beyond what it takes. Without the outstanding dedication and untiring efforts of Nick, I wouldn't be living the dream I am. Thanks again !