He has helped a lot of my friends who are now old enough to buy a home. I don't know if you are in Utah or not, because that's the only state he can do loans in. I admit I don't know a lot of the mortgage industry other than the basics. If you want to give him a call, DM me and I can give you his phone number and he can tell you your options. He is really honest and down to earth. He pretty much just does loans by word of mouth now, even if you find something you think is better he wouldn't mind giving you advice on your home loan...