While speaking with my realtor I had mentioned that I would be going to through Citibank, where I do all of my banking, for my mortgage. I had used them when I had bought my first house so it just seemed easy to use them again. My realtor recommended that while I was waiting for them I should also reach out to John to compare the numbers. Not only was I very happy with the terms of my loan but what really impressed me about John was the level of personal service and responsiveness that I had received. Having not used any bank other than Citi I had no idea how good service could be in the mortgage process. I just wrongly assumed that not receiving a return call for days was normal! I know that John had other clients while my loan was being processed but there was never a period when I didn't hear back from him within a few hours. I now have a "mortgage guy" that I feel very confident in recommending when ever I hear this come up.