We cannot fault the services we received from James in buying our first house. He had his work cut out considering neither of us really understood anything about mortgages, but he took his time and explained each step... Even when I called him worried well after office hours.We viewed a house in December and were moved in at the beginning of February thanks to James' quick work. I would recommend James to anyone and if you're reading this review questioning whether to use his services then go for it!Thanks James,Charley and Annie