I got my start in the mortgage business in January 1997, and started Dream Home Funding in June 1998. Before joining Zillow all my business came from referrals from Realtors and past clients, and a good portion of it still does. Obviously, you can't run a business that depends on referrals if you don't offer excellent service to your clients, and you will receive the same great service. If you have doubts, just look at the reviews from past clients here on Zillow. I have no employees, so you will deal directly with me from the start to the finish of your loan. I work long hours, and try to catch every call before it goes to voicemail. You can reach me from about 8:00 a.m. until around 11:00 p.m. everyday (including weekends/holidays). If you do get my voicemail, leave a message and I will probably be back to you in a matter of minutes. Although my office is located in San Angelo, TX, I close loans all over Texas. Clients simply fill out a loan application on my website and fax or email a few required preapplication disclosures to me after signing and dating them. I then prequalify them, and send an email with a pdf file containing the loan application and disclosures and list of required documents. The client opens the attachment, reviews the disclosures, then signs/dates them, and emails or faxes them back to me with the other documentation. If you are organized, the entire process should take less than 30 minutes of your time. It is so quick and easy that most of my local clients never come to my office either. Keep in mind that the rates we quote are not guaranteed until we lock. Rates have been volatile. There have been days that my lenders have issued 4 or more price changes in one day! If you like the quote I provided, please act quickly. If I can't honor the quote, I will happily show you the notice of price change from my lender to prove that rates did in fact change after I posted your quote. The quotes I provide are accurate when posted, but I have no control over what the financial markets do. My regulator, the Texas Savings and Mortgage Lending Department, prohibits Mortgage Brokers from knowingly misrepresenting or understating any cost, fee, interest rate, or other expense in connection with a mortgage applicant's applying for or obtaining a mortgage loan, and engaging in that practice could result in disciplinary action up to and including license revocation. The quote I gave was accurate when I gave it given the information provided. If you don't agree, feel free to contact TSMLD. The same is true for all Texas licensed Mortgage Brokers, so do us all a favor and report the dishonest ones. My website contains educational content, mortgage calculators, and an online loan application that can be completed in about 15 minutes. Feel free to visit it, and/or call me if you have any questions or need more information. I look forward to helping you finance your dream home. Dream Home Funding NMLS #257514 Texas Mortgage Recovery Fund Notice https://www.sml.texas.gov/wp-content/uploads/2021/07/rmlo_80_200_b_recovery_fund_notice.pdf