Justin Smith was my loan officer when I purchased my home two years ago in Continental Ranch, Tucson, Az. I used a conventional loan and he was very nice in explaining the answers to all my questions. I had lived in a mobile home prior to this and this was my first actual home. I had lots of questions on the process and he very knowledgeable and thorough in walking me through the process. I would use him again if needed. I highly recommend him!