Who else hugs their mortgage broker? We do. We love Dan too. He has been there through the years working his magic through the purchase of two homes and one refi. Everything others have written here has been our experience as well. He knows not just his business like the back of his hand, but the roles of the lenders, the appraisers, the realtors, etc. Dan provides solid guidance in negotiating the world of home purchasing or refinancing. Beyond his expertise, professionalism and intelligence is a guy with a heart who genuinely cares about people. Actually, they all do at Emerson Financial. Theirs is a successful family-run business because of the way they do business.

Vicki S., San Francisco