Having several quotes sent to me I had chosen Scott after speaking with him direct. We spoke about the alternate program he had sent to me, along with some others. He is very knowledgeable and explains the loan process in a way that is very easy to understand. Along with providing me with what I considered excellent customer service, it was nice to deal with a local lender from my area. After answering all my questions(thanks for your patience Scott) I have filled out an application, and look forward to closing my loan.