I have been in the mortgage business for over 15 years and in that time I had experience in just about every aspect of the mortgage origination business.  If you are looking for someone to make this process smooth and painless then I am your person.  You will get nothing but straightford answers and fair deal.  My parent company is backed buy a small PA bank.  That gives me the ability to get you loan done quickly and to get answers for you in a quick, professional manner.  Please call me to discuss you situtation.  I look forward to working with you! Have a nice day!