Sitting at the closing table right now....John Ruskin was is our Loan Officer and was on top of everything! Attorney even stated it was the lowest rate that he has seen and couldn’t believe how low the lender fees are....as a former loan officer myself I have to say that John Ruskin went over and above to take care of us. Minor delay with processing and closing department but Mr. Ruskin got it straightened out almost immediately. I highly recommend him and Sebonic!