Please read the review given under Bohl/Welch family on Zillow. As stated there Fred Cooper and his team went way beyond any expectation we could have had. After 5 mortgages in our family, we will NEVER use anyone but Fred Cooper. Having access to him 24/7 is way better than any bank. And Mary Zimmerman responded to emails within minutes. He even got both our insurance and rate lowered during the process. HIGHLY RECOMMENDED HIM AND HIS TEAM.