Settlement went great!!! We are so excited! The whole process was surprisingly painless. Thank you for all your help. Going into the whole home buying process we heard a lot of scary things from friends about how daunting a task it was. Not one of them referred either their real estate agent or their mortgage broker. I can safely say that both you and Daniel more than met our expectations. We have already bragged to our friends about how easy and rewarding this whole process has been. Thanks for making this a reality for us!