Dave Young is the first name I give out when asked by my clients for the name of a lender. I know that when I refer any of my clients to a service provider of any kind, my name is attached to that referral. I never hesitate to refer my clients to Dave because I know that their expectations of customer service will be exceeded. During the 10+ years that we have been in business, I have never had a client provide anything but glowing reports of Dave's expertise and service. Most of the clients I refer generally end up getting their mortgages through Dave because he is most concerned with educating the client about the process and explaining the best loan product for their purchase or refinance. He does not apply pressure, but instead provides information and competitive loan products so that the client can make an educated decision regarding their financing. I have been highly impressed in the past when Dave has assisted me personally with refinances or purchases. Dave and I share the same business philosophy, which is to always put the client and their best interest above all. I have and continue to refer him to clients, friends, and family.