This was the easiest mortgage process we have ever done. Kirk was so on top of things and made this process painless. I would highly recommend Kirk for any mortgage loan that you are in need of whether you are refinancing your home or looking to purchase your new one. The loan officer always makes the difference in the process and Kirk did an outstanding job in ensuring every step was taken care of efficiently. We closed in 15 days from date of the application as promised. Thank you Kirk!