I'm writing this review from the backyard of our new house. Buying a house would still be a fantasy were it not for Gary Boyer, and the real estate agent who recommended him to us, Dawn Barry-Griffin. The first time we met Gary, for Mortgage 101, I knew we'd chosen well. He explained the process for first-time home buyers thoroughly, acknowledged both of the most likely stumbling blocks (being gay and receiving income from tips), and sent us out of the office with the insane belief that someone somewhere might agree to lend us hundreds of thousands of dollars.
I really appreciated the honesty Gary brought to this task. He made a point of making certain we were getting the kind of loan we wanted, for an amount we were comfortable with. He talked with us frankly about houses a buyer can afford with property taxes they can't. He also waited until he saw the interest rates drop again before locking us in, saving us tens of thousands of dollars over the life of our loan. Hello, fixed-rate, no pre-payment penalty home loan!
I won't lie; there were some bumps on this road. What we got from Gary was forewarning of where the bumps were and the willingness to overcome those obstacles. He not only worked after his office closed on a federal holiday, he talked an underwriter into doing so as well. If that's not dedication, I don't know what is.
Gary is a professional, but never made me feel weird that I was wearing flip flops into his nice office, and didn't bat an eye when we wrote chickens into the loan ('cause it's Portland and that's TOTALLY normal). I'd recommend him to anyone. In fact, I think I just did.