Jonathan, Please accept my heartfelt THANK YOU for making the usually painstaking process of obtaining a mortgage, a real simple and pleasant one. You did the job very honestly and very professionally. As a profession myself, I was worried at first of about the complexity of paperwork and time that I would have to devote to the process, however you made it “smooth sailing” for me and my wife and we really appreciate that. What you quoted at the beginning was exactly what we paid in the end. I feel bad for some people who complain about hidden costs associated with a mortgage. In our case, there were none. In fact, it was cheaper than we expected. Thanks again, and I will surely feel comfortable referring you to any friends in need of a mortgage.