I had bought a house just before the market tanked and then had to move and buy another house just 2 years later right in the middle of all the housing mess. The changes to the mortgage process was significant and Gary with Horizon Financial was on top of it all and helped navigate it about as best as possibly could be done. I can not imagine trying to go theough all the hoops without his specific guidence. He is extremely knowledgable and is always looking to make your loan details benefit you as much as possible. Do NOT make the mistake by going anywhere else!!!