Highly recommend! When shopping for a mortgage we contacted several lenders, including our builder's preferred lender. After negotiating with multiple parties, we chose to work with Valerie because it was clear that she was the most knowledgeable, responsive, and trustworthy. Valerie's rate/closing costs were very competitive even against the builder's preferred lender + incentives. In the end we gave Valerie & Upstate Mortgage our business to have peace of mind during the closing process. Thanks for your hard work and flexibility, Valerie!