My wife and I have done four original and re-fi mortgages with Scott Desmond (Crown Mortgage). I don't believe you could find a more honest, knowledgeable, hard -working broker in all of central VA. Example: we were doing a re-fi (VA) on our present home just to lower the interest rate. It took over six months because Scott was not convinced that the interest rate and various expenses were as low as they should be. He advised us to be patient and wait it out. During that time, he was constantly checking with all his lenders (of which he has many), for the best deal. He finally found a small window that we took advantage of immediately that lowered our int. rate and saved us several thousand in misc. expenses. Just cannot say enough about his level of expertise. And perhaps most important, a good man. read more