I cannot imagine using anyone else but Phil. He was quick to respond to all of our questions and concerns. He is very easy to get a hold of…works tirelessly to get loans approved and has an awesome team working with him. We even had a little glitch at the end that we thought might delay closing…our fault not Phils and he worked well into the evening to get through underwriting and we closed on time. He is a wealth of knowledge and has many resources and much sound advice for home buyers. Thank you Phil for making this happen for us! We will recommend you to everyone!