Joe Everett and Great American Financial are completely amazing. I run numbers myself pretty obsessively, and so I could see he was going above and beyond. He also provided advice at key times to help us make very informed decisions about points and many other issues, even related to the small details about closing and insurance stuff. My Realtor trusts him completely and he is extremely diligent about qualifying you accurately, so there will be no surprises. In fact, Joe must have run numbers for me over 3 years, as my wife and I kept checking in to see whether we could qualify, and sometimes, we'd qualify for enough to look around, but not find something, and then a year later, our situation improved, and he'd run it again. He even gave us a hefty refund on mortgage costs on one escrow we were in. I was amazed! I didn't get any hidden costs or surprises at the end. It was all really incredible, best experience I've ever had with a mortgage broker. I didn't use brokers for a while, but now I very much prefer Joe and team than shopping for an online direct mortgage with a faceless company. And I really can't see that it cost any extra. He saved me money. And many of those direct mortgage places would not take the time to calculate my situation accurately and give us a firm qualifying number that matched our income situation. And everything came off without a hitch. 100% recommend very highly. read more