I was too hasty in my criticism of Brandon. He responded to my e-mail, saying that he had been out sick the day that I e-mailed him. I cannot judge him for being ill and I have been unfair by being too impatient. Brandon is a sharp guy, willing to help his clients as much as possible. Also, the company is being overrun with a swarm of people eager to refinance now while the rates are at historical lows. In Brandon's absence, I contacted another agent named Kenneth To who was very helpful. He explained the terms of the various loan offers very with a high degree of clarity, precision and accuracy. I plan to work with him as my loan officer at Optimum. I think this is a good company.