I am a real estate agent and have used many mortgage officers. Hands down Tammy is at the top of my list. She knew the answers to all of my questions and, even more importantly, she seemed to like answering questions. So much of what mortgage officers do is educate the client about the often confusing and byzantine mortgage process— she embraced the role of educator and performed wonderfully. She approached my loan with a strategic perspective I rarely see in the industry. She delved into the minute details of my loan and instructed me on the small things I could do to get the lowest possible rate and maximize the money in my pocket. I recommend Tammy with the highest of praise.