Phil blew away all our expectations! He helped us buy our home and we had such an amazing experience working with him that we wouldn't have considered using anyone else when it came time to refinance.In a crazy-competitive market, he helped us edge out other buyers by taking us all the way through underwriting so we could include an 8-day closing in our offers. After we won the bid, he served as a savvy and knowledgeable consultant as we worked out a strategy for locking the best rate amidst economic volatility. Most of all, Phil really cares about his clients. He went above and beyond consistently for my family throughout the whole process. We're very thankful to him for all he's done for us!