Phil was professional, extremely knowledgeable, and stuck with us until the end. Phil worked extremely hard for us and made a complicated mortgage into a simple easy process. He was always there for us, night and weekend, when we had a question or concern. Phil not only was unbelievable knowledgeable but was a great person to work with. He was easy to talk with and if you did not understand something he would take the time to explain it to you until you did understand, so with me it might've taken a couple times but Phil was patient and didn't care how many times he had to explain. He is someone I would recommend over and over again and someone we will be using next time we need a mortgage.