"Toby is outstanding . This is now the second time I've worked with him to secure a home loan. He makes the overwhelming process of buying a home seamless. He also seems to genuinely care about his customers. I couldn't be happier with the experience from start to finish!"

"Great communication with me. Toby made sure I was aware of any and all paperwork that was needed in a timely manner. It was a pleasure doing business with him."

"I now feel that Toby is a friend. He explained things that I did not understand in a very informative way. He will be my lender from here on as my family begins our investment property business."