Roy helped us by explaining and sharing new ideas and options that we were not even aware that we had. He is a seasoned, personable, knowledgeable and wise person to reach out to for your lending needs. He got us locked in at a great rate and then ensured that all of the parts and pieces fell into place exactly as he said they wood. The team of people that he works with is also extremely thorough and focused on your needs - and they are friendly - just like Roy. Working with them was an amazing process that helped us get into our dream home. Thank you for all you did for me and my family Roy!