Sam was great to work with. He made himself available anytime we needed him day or night and always had an answer to out questions. When others couldn't get us a loan for our first home Sam came through and got us the loan for our first home. Now fast forward to a couple years later we just did a Refi with Sam and saved some more $$. Highly recommend to anyone who is looking to purchase a new home or needs to refi their current situation.