I was refinancing directly with the bank that owned my mortgage. I reached out to Dan for advice because I was concerned that the process was not going to work out. Dan took the time, several times--though he wasn't even earning a commission on this mortgage--to explain to me what was happening and the likely reasons for the delays. His explanations were clear and thorough, and his expertise was comprehensive. Dan is the first person I'd go to for my next new mortgage or refinance.