It is my pleasure to recommend Jeff White and Hook and Ladder Lending (formerly Jeff White Lending) for all of your mortgage needs. I contacted Jeff to review my current home mortgage and to ask about future mortgage loan options. Jeff was very knowledgeable about refinancing packages, cash out programs, reverse mortgages and other options. He is organized and well educated about the lending business. He was also very responsive to my phone calls and requests. Jeff led me through the entire loan process explaining details, reminding me of deadlines and even calming my nerves. Jeff was professional and proactive and anticipated my needs. I can say without a doubt that he met and then exceeded my expectations. I am happy that I chose Jeff for my lending needs and will be introducing him to my family and friends. I advise you to give Jeff and his staff a call. You'll be glad you did!