Used Scott for a refi about 8 years ago and reached out again a couple months ago when I needed help again. Scott was quick to respond and efficient at handling any issues that came up, and I felt like he was always looking out for my best interests. Got a great rate and some real savings, and everything closed on time despite the fact that it was during the holiday season and a crazy time, he still made sure everything went smoothly. Would recommend Scott to anyone. Very positive experience and wonderful to work with.