I found Wayne here on Zillow and read lots of advice he had for others. I liked what he had to say to people because he seemed very knowledgeable and realistic in his advice. I contacted him many months before I was ready to purchase, and he spent a considerable amount of time with us even though he knew we weren't ready to buy yet. He walked me through everything we needed to do to be ready, and when the time came we were prepared thanks to his guidance. Our loan closed smoothly and on time. I plan to use Wayne for all of my future mortgage lending and will advise anyone who asks me to do the same.