Nicolas saved the day for us! We had previously been working with a lender we found online that was supposed to have the best rates. Issues arose and we were on a time crunch to find someone to do our loan in time for closing. Nicolas was recommended by our realtor and definitely proved why. Got us a great loan in time to close. He really knows the business and thanks to him we were able to purchase the house of our dreams! Go local, those companies online will give you estimates and then keep raising the prices as they are not familiar with the taxes and insurance in this area. Nicolas knows his stuff and was unbelievably fast.