Paul has helped guide us through the mortgage process on multiple occasions. His guidance has made a big difference in our lives. He has helped us think through options – like shorter term with a lower interest rate or longer term with a little higher rate. We are relatively smart people but the mortgage process is beyond us. Paul explains the process in ways that anyone can understand and he takes the surprises out. Plus, he is an all around great guy and a pleasure to work. HIGHLY RECOMMEND!