Ours was a new build so there wasn't much room for negotiations, therefore the 4.5. Taylor and team were fantastic from the start. Every meeting was informative, every showing full of information and everything else in between was Taylor just being personable and a friend. In a nut shell, he really is just a great human being who is awesome at what he does. And if you need a broker, listen to Taylor and use Brandon with Benchmark Mortages. You will receive the same top notch service that comes with using Hack & Co.