Joe Kustra & his team assisted us in the process of obtaining a mortgage on our second home .He did a wonderful job in making this process easier. He was very confidant & friendly and basically walked me/us thru most of the process since our son represented us in completing & finalizing this loan. I would definately recommend Quicken to others and use Quicken as well as Joe for any future mortgages. I received a gift card for writing this review, regardless of whether I had a positive or negative experience.