"They will write songs about how excellent his service is. They won't be very good songs but they will be written. Russ and his team are the only way to go when you need a mortgage. Going by yourself to a bank is a limiting exercise by nature, Russ will shop and get you a far superior product for less cost, and he does all the leg work. One credit app, one time. Mortgage broker services are the ultimate "no brainer". I have used Russ three times now, twice for home purchase and once for a re-finance, I could not be happier."