Not only was DJ able to find us a great rate, but he made sure we were comfortable throughout the process.  That started by thoroughly explaining each of our mortgage options and then focusing on which option best-matched our individual needs.  Anytime we had questions, DJ was always knowledgeable, responsive and pleasant to work with.  In addition to his exceptional customer service, DJ also saved us a significant amount of money by waiting until the optimal time to lock-in our rate.  Thanks to DJ, my wife and I saved on our mortgage payment and will continue to realize that significant benefit as long as we own our house.  We give DJ our highest possible recommendation and would encourage anyone shopping for a mortgage to talk to him first.