I am a small business owner and my wife is an international that is still going through the visa process, so our loan could not get more complicated. David Stelzl took on the challenge and made the whole process easy. We threw many curve balls at him that could have stopped a less knowledgeable loan officer, but his deep understanding of the loan process, and lighting fast response time allowed him to hit home run after home run. If you are an international or a small business owner use David Stelzl(Or just a normal person, use Him!). There is truly no one better, not to mention that I got three rate quotes and his was by far the best! You will not be disappointed.