We have gone through Rory twice for a home loan and refinance. I can't think of a negative thing to say about this guy. I used to be the one that would shop around for mortgage rates for 3 days before deciding who to go through for the loan. However, after going through Rory the first time, I didn't even shop around the second time. He is always willing to give you full disclosure. We have never had any surprises with him. His quotes were most of the time either spot on or always a little above what it actually came out to be in the end.