I recently bought a house in the Raleigh NC area. I was given Judson's number to help me out with my loan through my real estate agent. After a brief chat on the phone, I set up an appointment with him for the same day. Based on a very good rate he was able to give me, he gave me a very reasonable good faith estimate. Granted, the reason for the estimate and rate being to my liking had something to do with my good credit history, but the whole experience with Judson was quite pleasant and easy. He was very helpful and easily accessible.