Richie Duncan, If you want the best you have to stick with him because he helped us get our loan fast and it is like we barely did anything because he handles everything for you. He went out of his way to stay in communication with us and he would break everything down for me. ( I am a first time homeowner) He got me my dream home and I couldn't be more thankful. Even after we have bought the home Richie will still reach out and help me with any questions that I need.