Randy is absolutely the most knowledgeable, friendly and honest expert I’ve ever worked with. Hands down! I rarely give compliments so writing this review is giving well deserved praise to him. I talked to Randy for the first time in February when I was looking at mortgage rates and after thorough analysis he advised that it was best to take the builder’s incentive I was given and hated that the overall benefit would be to go with my builder’s lender vs him whereas most lenders wouldn’t go above and beyond to ensure the customer is actually getting the best overall deal. Of course, I didn’t lock in the rate at that time because it was over 6 months out to completion so recently with the rate surges I contacted Randy again and he was so eager to help and educate me to ensure I fully understood the full picture. He is absolutely PHENOMENAL and I would definitely recommend him to everyone! I definitely felt like I learned a lot from him and had a better understanding of all the mortgage rates terminology.