Chris Coates at American Capital Financial is one of the most knowledgeable mortgage brokers I have ever met. When I originally starting talking with him I had some problems with my credit. Chris gave me advice to start fixing those problems and when I came back to him 3 years later he still had my file and was able to to get me refinanced with no problems. He takes the time to walk you through every aspect of your mortgage, all of the options available and is always available to answer any questions that arise. Chris keeps you informed during every step as to changes that go on with interest rates, where your paperwork is in the process or anything else that he feels needs to be communicated.  I recommend him to everyone I come across that is looking at buying a house or refinancing.