Jay was very helpful and totally there for me when we arrived in the Charlotte area from our trip from Iowa to do a 5 day search for our second home. He made calls to us to see how the house selection process was going and assured us that was commited to helping us through the process. We would have ended up financing the home with DNJ if my local business bank in Iowa had not pressured me to have our loan there. The handholding by Jay was second to none thru the process... I feel bad that after all Jay did, we were not able to close with DNJ.