A terrible stressful experience. I will have to report to local BBB. Mr. Roman literally left me hanging and I had to deal with an inept lender and appraisal team on my own even though Roman was getting updates. It was only when the process was getting really bad that he stepped in. In addition, he selected a lender for me that he had never worked with before, Roman did not know that they did not service 30 yr loans which is what I wanted nor did he fight for me to remove the escrow account. Consequently, my loan was sold immediately. Roman indicated that it would be no problem asking the new lender to remove the escrow account. The new lender has refused citing documentation it received from the initial lending company. Not only was Roman inept and uninformed, he was part of the over 3 month debacle that this loan process required. He did get the lender to reduce some fees and Roman did pay for some of my notary fees; however, overall I would give Roman a poor rating. Buyer beware. Roman came to me via a referral and turned out to be the worst loan experience. Costly, inept, uninformed. DO NOT USE!!! read more