Jim was very communicative and helpful but was dishonest with us on a few occasions which lessened my trust in him. First, he told me he was a bank and not a mortgage broker, which was false. He also manipulated the closing costs to make us pay more at closing, which was stressful on us since we didn’t have the extra money to pay. He told us the earnest money and appraisal cost was included in the cash to close on multiple occasions when it turns out it was not. It may seem obvious but we are first time homebuyers and didn’t know these things, and instead of helping us understand them it seems like the tried to manipulate us. Lastly, he told me multiple times that the bank was ok with us taking title in a specific way when it turns out it was not. We never saw his face throughout the whole process, and it just seemed very impersonal, and combined with the white lies he seems like a dishonest person. Regardless, he did help us buy a house and for that we are grateful.