We used Terry when we were looking to buy a house. It would've been impossible to do on our own because we had no money to put down and we went the FHA mortgage route, their rules are strict. Not only could Terry point out things in houses that wouldn't pass inspections or would be trouble down the road, he was able to negotiate with the listing agents and find us a mortgage company willing to give us a loan. For less than $2000 out of pocket, we are now the owners of a nice home. Terry will bend over backwards and find you exactly what you need. You can't afford not to use him.