John is up front and honest which means everything to me. John knows the business and the turn around for my Refinance was fast and painless! John asked what I was looking for and after a short conversation he worked his magic and within no time at all I was reviewing and signing the Refi paperwork. My wife and I have used John in the past and we will continue to go to him with all of our home finance needs. I am a USMC Veteran and John knows the VA process inside and out.