My wife and I worked with David Stelzl for our first ever home purchase (Cornelius-North Charlotte area), and we had a wonderful experience. The pricing was very competitive (actually, they had the most competitive offer I've seen - BofA, Chase, and even Ally did not compare), and they have the advantage of being a local mortgage business, which I've learned is always a compelling argument when making an offer on a house (sellers typically view local lenders as more reliable). I'd gladly recommend Caroline Best Mortgage for multiple reasons: - First, they worked with our real estate agent directly and were extremely reactive and acted quickly to get our offer on our house ready on time. This made a huge difference when we had only one hour to submit an offer on our dream house: David was able to crunch the numbers alongside our real estate agent and our offer got accepted ! In that regard, I don't think an online lender would have cut it. - Second, David was always very personable and consistently replied to my messages, questions, phone calls in an extremely timely fashion. That made a huge difference because my wife and I both work full time jobs, and we were both based in New England while searching houses in the Charlotte, NC area. So that was a huge game changer. - Inclusivity: David was very easy to work with, showing a level of transparency considerably above your average lender (from what I,ve experienced). For our first home purchase we were cautious of not being taken advantage of, but David made us feel very comfortable and showed a genuine work ethic. Also, while my wife is American, I'm from Europe (I'm an ESL) yet David was always very inclusive and that really resonated with me. I'd happily recommend Carolina Best Mortgage!