From my first telephone contact I knew Briggs was the experienced no nonsense mortgage broker I wanted to work for me. To prevent identity fraud my wife and I have had our credit frozen for the past two years. Based upon my word, that our credit was excellent , Briggs found a great refi rate with minimal closing costs. Our credit records were unfrozen for only a short period of time. My wife and I would not hesitate to hire or recommend Briggs to handle any future new mortgage or refinance.