We have worked with Brad and his team on 3 different occasions (purchase of our first home in 2009, refinance of our first home in 2012 and purchase of a new home in 2014). We couldn’t have been more pleased with Brad and his team. He was able to help the process go very smoothly and was able to answer any and all questions we had very promptly. When we decide to refinance from a 30 to 15 year loan in the future, we will definitely choose to work with Brad and his team again!!