A huge shout out to our mortgage advisor Ray who has stuck with us through failed purchases and countless setbacks. A mortgage advisor is invaluable, and Ray knows EVERYTHING – whatever you think you know or can do on your own, I promise you he can do better. Thank you Ray for seriously having our backs over the last year and keeping us calm when it felt like everything was falling down around us. Your knowledge is invaluable, thank you for all you have done for us.