Whatever I say is not enough. Scott is the king of brokers and I fully trust his advise. Beside that he truly cares about his clients and their goals. He helped me to purchase my first house which was a super complicated deal and he advised me through all the steps and obstacles to get the mortgage through. Recently I refinanced my mortgage to get out of the FHA and take out cash and have a 30 year fixed low interest conventional mortgage. Initially, I did some mortgage shopping and he was the best amongst all. The process was super clear, smooth, and informative similar to my first experience with him. Again we had some hurdles on our way because of my financial situation, but he managed to sort things out and got me the best deal possible. I have recommended him to a few friends whom had a similar experience as me. I highly recommend him!!!