With interest rates coming down, I decided to refinance my home. I went to my existing lender and to an on-line brokerage. I wasn't happy with either one. The process was taking forever, I was constantly receiving requests for more information, and I couldn't get answers to my own questions. I knew Ernesto did refinance home loans and asked for his help. He was professional, gave good answers to all my questions, and was always respectful of my time. The entire process went smoothly and painlessly. His staff is great.