Ray Stevens was absolutely amazing at getting the best loan package for my closing. He went over and above to make sure that my credits were maximized and the rate down to the most advantageous in today's tough mortgage market. In the end I actually had excess credits that not only paid for all my closing costs but slightly reduced principal. He was courteous and professional and put me at ease with careful explanations when I was having doubts and raised concerns. I would highly recommend him as your next loan officer. He will work with your best interest in mind.