This is the second time we've used Jerry Robinson at 1st Choice Mortgage, at the suggestion of a Realtor colleague. Although we are experienced home borrowers, he still helps us avoid pitfalls and keeps everything on track with the qualification process. I would especially recommend him for first-time buyers who need advice and guidance through the process. He also DOES NOT CHARGE ORIGINATION FEES OR POINTS (unless you want to buy-down your rate, which is up to you) -- 1% of your loan is a BIG amount to spend with a lender who does charge them! Jerry will guide you honestly about what makes the most sense for your particular situation and also has a quality lender pool.