I can't say enough about Dave and his group. My husband and I have used him for a refinance initially; we were so impressed with his knowledge and personal care that we went back to him when we purchased our next home, our second home, and have recommended him to our daughter and son for their home purchases; both found the same kind of care that we experienced. In fact, our son is now looking to buy again and would not use anyone else. Dave goes above and beyond to make people feel that they are working with a "friend" and not a service. We have purchased and financed quite a few homes over our years and Dave has been the best.