Emily is a pleasure to work with. Her response time is fast and she is very efficient. She made the entire process run smoothly and dealt with every obstacle effortlessly. She took her time to help us form a game plan to get the best rates possible. She guided us on how to fix our credit and showed us any debt that would hurt our chances of getting a loan approved. We got a pre-approval with a company that told us there was no way to give a lower down payment or lower our rate. Then we found Emily who took her time to explain why and how this could be fixed. After a year of her working with us she was able to get our required down payment & interest rate to half of what the first company told us it would be. Moral of the story…… use Emily if you want to save money & get the best deal possible.