"Toby was exceptional to work with. He is very knowledgable, and very empathtic to his clients. I was a first time home buyer and Toby went above and beyond to make sure I get the best loan for my situation, while at the same explaining the process to be so digestable for a "newbie". He answered questions promtly, very communicative and a guy you need on your team when making such a big decsion. I highly recommend him, look no further."

"I have heard so many horror stories about buying a house but I can not relate. Toby was amazing at providing information I needed and answering all my questions. As someone who knows nothing about buying a house I was terrified but Toby really made me feel more at ease. He went above and beyond looking into the house and everything for me trying to make sure I didn't get into something bad for me."

"He is very good at answering my questions and is very knowledgeable ."