This guy rocked, We would recommend him to everyone. John was able to pull off a refi and we had some very difficult issues to deal with. We were turned down by over 15 firms in the last two years. We have a large plot of property and an active farm. Most firms don't want to entertain that issue. He was on top of all items, had very quick reponse times when we had questions, calls or emails. A pleasure to work with, and we would work with him next time. John Rocks!!