We were referred to Phil by a friend. After meeting with several other brokers before Phil we could tell he was the real deal. Phil meet with my husband and I at our own home! Which was great that we didn't have to get a baby sitter. Phil went over what options were best for our situation. We liked the fact that Phil didn't beat around the bush. He told us "the good, the bad and the ugly". When we found the house we wanted we called him later on a Saturday night for an approval letter and he answered! He was at his sons ball game and emailed the approval letter right over once he got home that evening. Working with Phil and his staff was great. Always quick to respond to emails or answer the phone.