Congratulations to Angela Harbeson - FIRST time home buyer with a ZERO downpayment loan! A 4th grade teacher now with keys to a great home in Royse City. Thank you Phil Claybrooke of Right Choice Realty who gave the seller 2 hours to make a decision on the offer and Joycelyn Jones of Republic Title in Rockwall for a smooth process and transaction. These people make being a Loan Officer a pleasure. Turns out this was my final loan with SNMC.