I have relied on Bill Gaffney and Morningstar Mortgage for 100% of my real estate borrowing for over 20 years. We have purchased 2 homes in Southern California with Bill’s help and also re-financed those homes when Bill let us know the rates had dropped. His expertise coupled with his astounding customer service is an unbeatable combination. I shopped around at my bank and other lenders – and found that Bill always offered the very best interest rates and lowest overall fees. Most importantly, I really trust Bill to act in my best interest when advising me. He has my highest rating!