Knowledgeable, friendly & quick. but too new in the business..(2 mths ) therefore the quote was totally incorrect & not what we discussed.. he lied about the process & blamed it on “software” gliches. They deducted an appraisal cost from my cc prior to any documented & agreed on deal…now I am awaiting a refund!!! He convinced me to sign the incorrect documents so as he could process a rate lock and in order to later correct them, ( his words ). That was also a lie.Don’t deal with Sage…