I am a first-time homebuyer in the medical profession and had done my fair share of research prior to purchasing (reading books on strategies to save on mortgages and plenty of financial books/sites in general). When it came time to shop for a mortgage/home, most of that knowledge had very little real-world application as I learned first-hand you're mostly at the mercy of the market, economic factors at large, and your credit score. What did make a difference was the team I had helping me and with Vicki - she went above and beyond to provide the best service and to make sure all of my concerns were addressed. I knew I wanted to go with an independent mortgage broker and happened across Vicki on the internet. I vetted a few candidates and ended up going with Vicki because of her candor, amicable demeanor, and timely communication. She made the entire process of securing the loan very straightforward, did a great job of communicating with realtors, and when it came to getting my offer accepted was a boon as well. With each offer made, she would reach out personally to the listing agent and that really helped with making my offer stand out and getting accepted. I highly recommend her without reservation.