If you are a first time homebuyer, you 100% need Mark as your lender! Mark and his team were very friendly and easy to work with. Mark is extremely knowledgeable about the entire home buying process, which is important for anyone , but especially for first time home buyers. He took the time to explain everything in detail, leaving no questions unanswered. Mark and his team truly worked in the best interest of us as buyers, we got a great rate and were able to close on our home quicker than anticipated. Every home buyer deserves this level of service! Thank you Mark!