Jack offers great rates and low fees while still providing personable service! I was a first time home buyer -- I did my research shopping for a low interest rate loan-- I looked at other banks and large lending operations -- once I found and contacted Jack I was thoroughly impressed with his promptness and availability and more than all, his patience in explaining every step of the lending process to me as a first time home buyer. He really goes above and beyond for his clients! I got an amazing rate with low fees and was able to close on time! I recommended Jack to a family member who was looking at condos and he is already well on the way to providing her a great loan as well!