Charles Clark was truely a pleasure to work with right from the start. He gave me extremely good advice on what the alternatives were based on my situation. Tonia Canady was also great, very attentive and proactively reached out to me with regular updates on the application process and status. The only negative comment I would have is that it was up to me to push the subordination decision on the home equity line of credit. I have the feeling if I had not pushed the issue my rate lock would have expired.