I spoke with John on the phone for the first time on a beautiful Sunday afternoon. I am sure there were a lot of other things he could have done with his time, but instead he provided me -- a first-time home buyer -- with an education I could not have received in a 2-week long class. I tried to provide as much information as possible, as I wanted a straight answer as to whether I could financially afford to buy a home. Even though I thought I had provided full-disclosure, John asked questions that prompted additional information crucial to my home buying decision. In the end, I balked at making the move now, but that didn't stop John from continuing to educate me on how to get where I want to be in the near future. The education he provided is worth a million bucks, but I can't put a price on the time, patience, and kindness John offered me. We will do business together soon. And John will be the first guest I invite to my house-warming party. I highly recommend John Willoughby.

Absolutely unmatched customer service. John was thorough, patient, and had our back through the entire process. Web based document sharing made process efficient and record keeping foolproof. Also, super impressed to find out Union Home Mortgage services their own mortgages, so we get to keep working with John. HIGHLY RECOMMEND.