Andy helped me purchase my first home 3 years ago and is now helping me with refinancing! If I could give him more than 5 stars I would! He is so knowledgeable, patient, and kind. He is very thorough and answers any questions I have. The whole process is very quick and easy! I HIGHLY recommend Andy!!! The icing on the cake is that I did not have to pay anything out of pocket working with him! YOU WILL NOT BE DISAPPOINTED!