I reached out to Chad Baird at JMJ Financial based...

I reached out to Chad Baird at JMJ Financial based on a recommendation that I had from my Redfin realtor. After discussing my desire to obtain a quick summary of loan payment options and estimates, Chad asked that I email him a summary and he would get back to me the next day. Being in a crunch to finalize and move forward with a lender for submission of a home offer, it was critical that I receive this information the next day. By mid-day I still had not received his response. I called him and he claimed that he never received my email. After asking him to provide what had been agreed to the previous evening he sent over an email simply characterizing rates. This is completely counter to my request for full payment summary information which, is what I had asked for and, what we needed in order to determine what loan and which lender to move forward with. Now I am another two days late on submitting my offer due to Chad's lack of commitment. If you don't have time then, be honest with your customers. Net-net, Chad is just another wishy-washy lender and clearly a reflection of his firm. Would not recommend anyone go to him or use his firm if, your desire is to work with a lender with integrity.