Phill did the loan on my house and I had ZERO issues. I used to also work with Phill and he was the one we all went to for advice on products. The guy simply knows more than the next guy period. With knowledge of loan porducts like Phill has he will put you in the right situation. One other note that could be the most important and that is the busisness ethics he practices. TRUST is a key word here and that is all Phill Miller.