"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 ."
"Toby is amazing to work with! Besides being incredibly knowledgeable, he is such a positive person. He really made me feel secure in the whole process and was always available for my many questions."
"Toby has made out home buying experience an absolute pleasure! He made the process so easy from the beginning to the end! I can not thank him enough for his hard work! He is an absolute pleasure to work with!"
"Toby took over for Melia Modlin who wasn't able to assist us with a sale in VA as she wasn't licensed there. Both lenders made the transition so smooth. We trusted Melia when she recommended Toby , and he was fantastic. He was very responsive and knowledgeable. The process was completed on time and without any hiccups along the way."
"Toby was excellent in all aspects from personal service to communication to getting things done quickly and efficiently. Well done!"
"He was very knowledgeable and professional. He took great care of me and answered all my questions. He was very prompt to respond as well."
"Toby stayed in contact with us and made sure we understood what was needed and why to complete the application process."
