I was referred to Randy when I thought my first lender had costs that were too high and I wanted a second opinion. He took the time to gather my info over the phone (and didn’t seem like he was in a hurry whatsoever), explain why everything was the way it was, in a clear and detailed way, and was so honest that he told me my first lender’s rate and terms were actually pretty good. Randy was clear up front that he wasn’t going to try to get my business if it wasn’t the best option for me. It’s quite refreshing to deal with people like that, and we could use more business owners like him.