Thank you, Cliff SO MUCH!!! I can't stress how much cliff is so GREAT at his job. We have been looking for a house for 3 years, and after 4 different loan officers CLIFF made it happen. He is very professional, always available, and very fast and detailed. He is a wizard... I will definitely be calling him for any further home investments and I will definitely refer him to anyone I see or know that wants to buy a home. THANK YOU CLIFF!!!!!!!!