Nobody wants to have surgery, but it's good to be able to say, \"That surgery was as painless as possible!\" From my first inquiry I was treated as an individual at the same time I experienced efficiency. Because of her success I could perceive Barbara was working on many complicated loans at once, but I never felt like a number or a 'score'. She ran many options for us and explained them all clearly, looking for our best approach. Buying a house is full-time job, requires quite a bit of time, communication and information. This team kept our stress as low as possible. I appreciated especially the question-answering, the quick responses and the steady direction of \"what to do next\" during the extensive process of applying for and completing a loan. Also, the flexibility of Barbara and her team when a second application for a different downpayment became necessary when closing costs exceeded planned available funds (this has to do with our state, not the lender). When 11th hour costs exceeeded expectations, their attention to detail helped us reduce them by $1200. For the minimum impact on your time and stress, fair rates and attentive service, we'd highly recommend Barbara Grogg.