Richard is really wonderful to work with! He is fast, reliable, and professional. I highly recommend him!

As CFO of an electrical company I know banks and lending. When shopping for my personal mortgage I met Richard after burning through four other hacks. Richard never tried to talk me out of the way I wanted to structure my mortgage. He just made it happen. Not only did he beat the others by .5 percent, at 18 days to closing, he dropped the rate by .125. Of course he sold me on this possibility at the beginning of our interactions and followed through. Thank You Richard. You are a Master at your trade.