I trust Jay
The reason I keep going back to Jay is because I trust him. It is really that simple. He is incredibly knowledgeable, thoughtful, and non-judgemental. He explains things to me in a way that I understand and is concerned about my needs. He takes the time to run numbers and keeps working until I am happy. I cannot say that about many other people on the planet, let alone in the mortgage business. Plus, Jay is professional and very funny.