If I could give Thomas Ray and Holden Groce a million stars I would. They have been INCREDIBLE to work with. In less than a year they helped us increase our credit scores dramatically and got us qualified to buy a house when we had been trying to accomplish that goal for almost 5 years before we came to them. Thomas even came in on a Saturday to do a 1st time homebuyers class with my husband and I. They never failed to answer a call, text, or email in a timely manner. They were ALWAYS so patient and kind, willing to answer any questions. We truly felt they had our best interest at heart. I will forever be honored to do business with them and would never hesitate to send any friends or family their way. This team is a true winner!!