I would highly recommend Wayne to anyone considering purchasing or refinancing a home. Prior to contacting Wayne, I had consulted multiple other mortgage companies and felt as though I was dealing with slimy, fast talking used car salesmen who spotted me a mile away. My credit is pretty low, and as a first time home buyer I was completely naive to the process. Wayne came highly recommended by my parents' financial advisors and it's easy to see why. He completely turned my home buying experience around and was there for me when I needed him any time of day and day of the week. Thanks to Wayne my buying experience was quick, painless, and went off without a hitch. My monthly payment is much lower than it would have been with the lending tree companies, and even when interest rates began to move against my favor, Wayne stood by his word and made it happen for me, all while keeping my payment exactly where he said it would be, down to the penny. Aside from his level of professionalism, Wayne is just an all around good guy and his genuine concern for me and my best interest shined throughout the entire process. He is truly a top notch person all around and made my dream of being a homeowner a reality when I really didn't think it was possible.