Fair, reasonable and when communication and understanding is the key to a great business relationship, Jeff is the person you need to work with! We had worked with a “so-called friend of a friend” for the original loan/purchase of our home in late 2008. Jeff informed us of a better option and after once we began dealing with him, I was made very aware of the lack of insight, information and how over billed we were with our other loan. What a relief to actually feel comfortable when heading into what could be a crazy ordeal. I highly recommend them for any mortgage or refinance needs.