My experience with Michelle was wonderful! I attempted to work with a couple of loan officers in the past but never considered buying a home then. I inquired them about a federal housing loan, provided all documentation and the process halted in both cases because they couldn't get me approved. So I gave up trying to buy a house for a while until I learned about USDA loan. It turns out that I could have been approved for USDA a couple of years ago. I was very disappointed that those loan officers failed to tell me about other loan types that I can qualify for. Michelle was just pleasant to work with. She always promptly answered my questions and collected and processed documents in a timely manner. She actually tried, and succeeded, at closing the loan more than a week ahead of schedule. I would do another loan or refinance with her in the future.