Call HLS. I knew nothing and he educated me and made sure I understood my decisions rather than told me what to do. He spent a tremendous amount of time with me when I bought my first house and when I refinanced it and I sold it and bought my second house. He is insanely knowledgeable and was so amazing to deal with! Did several transactions with him over the years (have never even met him in person). Even with a few hiccups along the way highly recommend HLS.