"Andrew was very informative and always available if we had any questions. He made the process very easy to understand. We have already sent my brother and sister in law to him! We are very appreciative to have had Andrew helping us through the home buying process."

"Andrew did not leave any stone unturned looking at multiple options to make our purchase a reality. He always made time for a call and/or was quick to reply with any questions we had. He was courteous and knowledgeable."

"Communication was always fast clear and easy. Always available with concerns questions etc."

"Thanks for your help!"

"Entire process felt rushed even though information was provided timely. Timing of each process itself was also unclear."

"Communication"

"Everything was straight forward - the most important part of this process was Andrew and the teams responsiveness."

"Andy was available to me in a very timely manner. The process was smooth and Andy and his team made everything easy to understand while being informative"

"Communication and responding in a timely manor."

"Andy and the rest of the staff took the time to explain things to me, were extremely helpful and professional. They were also friendly and personable. It was a great though stressful experience."

"Andrew and the entire staff came through in a timely manner. Communication was always open. He q as basically available anytime, any day. There were no surprises or late game changes. I appreciate the professionalism. Thank you, Steven Day"

"Buying a home can often be a daunting experience for new home owners, and it helps tremendously when there is someone who makes that process much easier to bear. From start to finish Andrew showed my wife and I stellar customer service, timely responsiveness, and the highest caliber of professionalism that has become rare in today’s society. Andrew’s customer service interactions should be the industry’s standard. We appreciate his insight and expertise and his willingness to go the extra mile to ensure our home lending process went smoothly. On behalf of Kayla, Harmony, Trinity, Charity, Justice, and myself thank you Andrew and the entire Churchill team for your tireless efforts on our behalf!"

"Mr. Penney was very informative, answering any questions we had along the way and a pleasure to work with."

"I was surprised that we had to submit the same information a few different times. It seems that each department works independently in receiving client details. Andrew Penney was accessible , responsive, and pleasant in our communications."

"Andy made me feel like he cared about me and my situation and was very easy to work with. He always kept me informed of the process and gave sound advice as I went through the process of buying my home. I appreciate all the help Andy and his team proves me."

"Friendly, responsive, knowledgeable"

"The communication was phenomenal!"

"Very smooth process. I was kept up-to-date on the progress"

"It was very fast and completed quickly. Good communication through the whole process."

"It was Informative, helpful, staff was truthful in the information and changes that happen throughout the process. Gave us a reason as to why things were happening the way they were happening"

"You walked us through every step of the process and was very knowledgeable and efficient. We are very pleased!"

"Open communication and always available"

"Great client communication, very knowledgeable, reliable and always there when you have a question."

"Great service!"

"Andrew took a great deal of time to make sure we understood everything before signing. He exhibited patience and professionalism during the entire process."

"Andrew Penny made our process smooth and enjoyable, was always available for any inquiries we had, he dedicated his time to us and was very informative about the whole process."

"Painless process, fast and accurate response to any help or question"

"Andy was what every borrower wants: Attentive, responsive, and knowledgeable."

"Very open and honest."

"His video presentation., his ability to answer all my questions, his knowledge and professionalism. Also, constant contact to make sure I understood and to see if I had additional questions. After the closing he provided me with additional resourced that was very beneficial."

"Always easy to reach in the most stressful times. Always seemed eager to answer my questions. Twice through new purchase and through a refi Andy has been a real gem to work with! Never felt like we were in the dark or waiting for answers. Thanks Andy!"

"Communication was excellent. timely responses and a clear description of what was needed and what was going to happen every step of the way."

"Your entire team was professional, competent, and personable. We were routinely informed of our progress. We quickly came to realize that Churchill was going to make home ownership possible for us."

"Some interaction would have been nice. There was none. I reached out with concerns and nobody ever answered phone calls and were seriously lacking in response time for emails. Sending a Starbucks card for $5 isn’t something considered interaction. This was consistent for the whole team not just him. Poor communication all around."

"It took 2.5 weeks for me to be contacted from the time I filled out the request on the Churchill site. I was told by the church hill team that a personal check would be fine at closing. this was not the case. the notary was needing a cashiers check or a wire transfer. He took the personal check, and I see it was cashed. The closing was done on the 31st of the month. Generally first payments do not commence until 45 days after closing. Not for me. My first payment will be October 1st. I didn't feel great about that."

"Good communication with Andrew after he picked up my case after the another agent left the company. Andrew jumped in at a time sensitive moment and did great in progressing the application."

"Communication was ongoing and clear Timeliness was excellent it was about 30 days from first contact to closing of the refinance Online tools worked well"

"Andrew’s communication was excellent. It is what sold me to use Churchill vs the other 2 mortgage companies I considered."

"A prompt response to all inquiries and the ability to sign all documents online ."

"Andrew Penney was on top of everything and was pleasant to speak with as well. Very good experience!"

"Thank you"

"Always a quick response to questions."

"Team work definitely:)"

"From the very start with Daniel, he was attentive and kept in touch. When Andrew took over it was the same way. The support team kept me informed of what was needed and the expected dates to look forward to. I didn't have to guess throughout the process. It all went smoothly and I only called once for an update because I was eager to get it all done. I'm grateful for the team's quick response, their consistency, and for keeping me in the loop."

"Quick, easy, and friendly"

"Andy was easy to talk with and helpful in answering questions. He made the process easy and quick!"

"Andrew and the team were very professional. They communicated very well with us through each step and the entire process was handled very timely."

"Everything was done just as what we were told… the closing date never changed!!!"

"Andy was very helpful throughout the process."

"Even in this market, Andrew was never too busy to help us out and run the numbers or give advice."

"Easy to work with, and level of communication."

"Andy took the time to humanize this arduous process."

"Andrew was amazing to work with!! Always available, quick to respond, and always answering any and all questions. The entire process was flawless and super fast thanks to Andrew!!"

"Professional, high level of integrity, a joy to work with"

"Andrew was fantastic to work with. He kept us informed and up to date with every step of the way. Andrew quickly answered any questions that we had during the refincance process. I am extremely happy that we chose Churchill Mortgage."

"It was a very easy process in which we felt well-informed throughout."

"Helpful, friendly, efficient"

"Andrew was very helpful and communicative with both us and the listing agent. He was there explaining how the process worked, what was needed and was able to give us advice on where to move forward during the application process. Both the wife and I were very pleased with the assistance and service."

"Responsive and knowledgeable."

"Open lines of communication, accurate advice, and patience!"

"Andrew was wonderful getting us pre-qualified and educating us along the way. The communication could have been a little better from the underwriting team, but otherwise very pleased with the process particularly in the competitive mortgage environment."

"It was a pleasure working with Andrew he was there every time we had questions but honestly some times the answer wasn’t what we wanted to here but Andrew assured us it was going be ok and in the end everything turned out better than ok. Thanks Andrew."

"The entire process was thorough, quick and easy to do electronically."

"Andrew was great to work with! He would explain options very thoroughly to my wife and was very responsive to emails and return phone calls. I would recommend him to others for their mortgage needs!"

"Very informative, very responsive"

"Andrew took the time to explain things to me and had a lot of patience with me since I’m not very tech saved. He got back with me in a timely manner. It was great working with him."

"Andrew was a pleasure to work with. He was very professional, informative, thorough and honest through the whole process. He made himself available whenever we had questions. We will definitely be recommending him to others in the future."

"Every step from the promptness of replying to my initial inquiry through the website, through to closing was communicated very clearly. Expectations were clearly stated in terms of what documents were needed from us, and uploading documents was super easy. The portal is extremely user friendly."

"Andrew is the BEST! He takes the time to answer all your questions and works hard to make Closing a smooth process!"

"Andy and staff stayed on top of our refi from start to finish"

"I felt Mr. Andrew Penney was very honest with us with each step in this process. We were blessed to work with him!"

"Andrew provided great support through my refinance process. He clearly communicated what I should expect, and what the results of the refinance would be, and helped address my goals."

"Everything went smoothly and there were no surprises. Since he knew to plan for the worst and hope for the best we were able to close a month early."

"Andy was great to work with! He really took time with me to be sure I understood the choices and options available to me for my refinance. He knew that this was a big decision for me and helped me through it. Everyone on his staff was very nice and efficient! I would really recommend them to you! Rita P."

"Incredible!! I have already started referring family and friends!! Wonderful, fast, knowledgeable team! Andy was amazing! Thank you! Oh and so was Rebecca!"

"The best communication from him and his team! They were there to answer any questions every step of the way! So glad to have found them and will definitely recommend to others!"

"Our home refinance experience was relatively quick and painless, and Andrew was informative and professional."

"Always on the ball every step of the way and responded quickly, no matter how ignorant my questions were. Always nice and helpful. Even helped me raise my credit score."

"Andrew took the time to explain the entire refinance process. As well was very flexible when communicating with us. The entire process was a breeze. Thanks You!"

"Pleased with the numbers, but when it came down to the details there seemed to be a bit of a lack of communication from Andrew Penney's team as far as having all necessary documentation requested from the getgo which caused some headaches and scrambling. Overall, we were pleased with the service and would recommend using them. Tip for Andrew Penney, provide a request for all documentation from the very beginning instead of going step by step."

"The experience and helpfulness on how and when to get things done"

"I loved working with Andrew Penney, he made a very anxious process (online home refinancing) a breeze! We loved his communication through email, text, and phone call. He is very knowledgeable and is very relatable. What I found most stunning is that he was doing the Dave Ramsey steps, just like we were and that is when I knew we found the right one! Andrew and Churchhill Mortgage are hands down the best in the U.S.!"

"Pleasure to work with."

"Our transaction was very smooth considering how busy the industry is currently and with our crazy times of COVID. Andrew and his team was always available for us whenever we had questions. Churchill is a great company."

"From beginning to end, Andrew had the heart of a teacher. Up until my closing date, he took the time to patiently explain everything and to answer all of my questions."

"From the beginning Andrew was professional, courteous and extremely knowledgeable. He made himself available to us throughout the entire loan process. It was one of the best lender experiences we have ever had. We will definitely refer him and use him again in the future."

"Our experience with you was great thank you"

"Andrew was so knowledgeable and personable through entire process! We will never forget him or the device we received at Churchill!"

"The communication was great across the board."

"Aside from the natural stress of buying a home, I had a great experience with this company."

"Knowledgeable and available staff / Andrew did a great job helping us navigate the process / the couple of issues we had with the other teams were resolved very timely and effectively"

"Always willing to help and answer questions. Great experience"

"Andrew Penny is amazing to work with. He works quickly and efficiently and made the process of purchasing our home easy. I highly recommend him!"

"Andrew was very forthcoming with information as it came available and explained things in a manner we could understand. We had a lot of questions that probably would have annoyed many, but Andrew was patient with us."

"Our experience with Churchill Mortgage, and specifically Andy Penney was seamless. The whole team fully explained each milestone and ensured we were ahead of schedule to close. There were no unexpected developments and our realtor and closing attorney both commented on how effortless working with them was."

"Andrew was awesome. Got things done when we needed. After hours and weekends didn't matter. He would answer our questions or find out. I already referred him to a coworker. Thanks Andrew."

"Andrew was available at all hours to go over any questions we had. He ensured we knew what was going on with the home buying process and gave is great advise along the way. I really enjoyed having his calming presence in what could have been a stressful hime buying experience."

"Very honest and man of his word. Very responsive and timely."

"Communication was good. If something confusing came up it was clarified in a timely and effective manner."

"Everything went very smoothly. All communication was received in a timely way."

"Had a great experience with everyone that was involved with our refi."

"Quick communications, and online live review of our loan numbers .. initially . Digital documents & signatures process , until the final appointment."

"Andy is a true professional in a way that is uncommon these days. We trust him. He responds to questions and concerns quickly every time. He made sure our first mortgage was handled in our best interest and overcame many obstacles. That’s why we went back to him for the refi. Andy is top notch!"

"Andrew was very attentive and quickly responded to whatever questions we had. He worked hard to get us the loan we needed. It was a pleasure dealing with Andrew."

"All my questions were answered in a timely manner."

"Andy was very professional he was there to answered any of our questions at any given time of the day,honest and was always on point with his numbers!! Thank you Andy !"

"Professional service!"

"Andrew was always available whenever I had any questions."

"Andrew was available to answer any questions and concerns we may have had throughout the loan process no matter how large or small the issue was. He was always very professional and pleasant to work with. Thanks for all of your support and help, Andy Donald and Shirley"

"Andrew was always there to answer my many questions. He is also a great listener! I am very happy with my refinance! Thanks Andrew!"

"Andrew was great to work with."

"Andrew is just a very open and genuine person. His willingness to help us with our refinance was real and did not feel forced. He made sure to be available for any and all questions and assisted us in understanding each step of the process. I told him more than once that he was a blessing to us during this time. Thank you The Emersons"

"Constant communication,transparency,knowledge,trust,full team work!"

"Andrew was amazing! Super informative and always there to answer any questions I had. I was dreading this whole process but it was so smooth and easy! Already have told my friends to go with Andrew and Churchill Mortgage"

"Very hepful, made the home buying process very easy for us by walking us through step by step, and being very informative! I highly recommend Andrew Penny with Churchill Mortgage! And because Dave Ramsey does too ;)"

"Andy was extremely helpful in navigating us through a difficult home buying experience."

"Andy was kind, patient, and always available for us. He was always thorough in his work and never made me feel like a bother. I absolutely recommend Andy and Churchill Mortgage for anyone looking for a mortgage company that not only knows what THEY are doing, but ensures YOU know what YOU are doing, as well. Thank you, Andy!"

"My questions were always answered timely. If I was unsure of the process I would get information on the next step in the purchase of my new home. Was always kept up to date with a status of my loan application and the process."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"I have absolutely nothing bad to say about my experience with Andy. He was awesome! He worked hard for us and got us into our home. He was just about always available and quick to respond when he wasn't. He was always respectful and professional and understanding. He made the whole process bearable."

"Andy is the man.he was awesome and someday hope to meet him in person. He was right with us every step of the way.always quick to respond to are every needs. We closed on time because of Andys hard work and he explained exactly every detail when it came to closing and what to exspect.Thank you Andy and the staff of freedom mortgage for your hard work."

"This was my first refinance and Andy was very helpful. He walked me through everything and didn't mind questions, which is wonderful due to myself not knowing anything about the process."

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"

"Andy Penny made our house buying experience go very smooth and was a pleasure working with him. He was up front and on top of everything right from the start and we were able to close on time. If I ever go through this process again he would be the first person i would call to do business with. Thanks for all your help and it was once again a pleasure doing business with you!!!"