I don't typically write reviews, but when I do, it's always because I either had a very bad or very GOOD experience. My experience working with Ryan definitely falls in the VERY GOOD category. I initiated a refinance with Ryan & Highlands Mortgage several months ago. He made what can feel like a daunting process simple, manageable, and straight-forward. What I appreciated most about working with Ryan was that he was politely persistent throughout the process. He understood my busy work schedule and was always respectful of time limitations whenever we spoke. Moreover, he routinely ended our calls with a clear and succinct outline of any next steps. He followed up immediately after every call with an email to address any unanswered questions, to highlight the next steps, and to let me know he could be reached day or night. This consistent follow up made my life so much easier and I NEVER even had to ask...it's just how Ryan works and I suppose the same goes for Highlands Mortgage. I would obviously recommend this company because they got me a great rate, but I would highly recommend you ask to speak to Ryan for any of your home financing needs.