Derek came to me as a referral from his Mother, who I did a home loan for previously. She had a good experience and was able to get into a home for them and then when Derek moved out and started working and started to form his own family wanted to own a home instead of renting. He and his girlfriend are serious about their relationship and wanting to be financially responsible, saw that owning their own home would be in their financial best interest long term. He had been saving money for a down payment and was finally at the point to make that decision for his family. We are closing on their home loan in a couple of weeks.