Tim is very responsive and knowledgeable. I have one recommendation. Promise less and deliver more just in the time aspect. When given a time frame, it was upsetting when it didn't transpire. For instance 24 hours turn around from the underwriter. I do understand that there were circumstances, but it would have been easier if we had been told longer even 3 days...etc. Truly, we are happy with our closing and really would recommend Tim to others! He is very down to earth and easy to work with!