We are grateful with Davids expertise and genuine interest and getting us the best deal for our loan. We really appreciated him recommending floating the interest rates until we hit a good low interest rate, also David coaching on improving credit and answering the barrage of questions along the process. On Elaine, wow keeping us straight with all the documents, she probably knows our financial picture better than ourselves! She was so patient walking us through all the docs needed. We were very fortunate with this team, God bless them