I was referred to Shelly by my realtor. I went directly to her website to begin my application for my mortgage loan. Shelly called me directly within 24 hours to introduce herself to me and to assure me that I'd be in good hands. And she was right! This is my third home and this was by far the smoothest transaction of the three. Shelly and her staff were polite and courteous and were very prompt in getting back to me with any questions or concerns that I may have had. I received responses from her late into the evening as well as on the weekends. I never felt worried or concerned about my mortgage process throughout this most recent home buying experience. If you are on the fence about choosing a mortgage lender, go with Shelly. I am very glad I did.