I can't speak to some of the negative comments you might find at Ross Home Loans previous address because, I can't say enough for how Neil handled getting our mortgage done. With Neil being in Miami Beach, my wife in Bradenton FL and me finishing up a work contract in IL, Neil was able to get us closed and in our house with in two weeks!! With all the hoops and hurdles of todays lending laws and given the issue of time, when he asked for documents that were needed in order for us to close we got them to him asap, to not hold up things on his end. In business you can't always please everyone but, Neil did a great job and I would highly recommend him again. Be realistic with your expectations and he will do the rest. Even our escrow officer here in Lakewood Ranch was raving on how easy it was to work with him....Thanks Neil for all your efforts