Richard has helped us refinance our home on two different occasions. Both times it was a very smooth and positive experience. We also recommended him to my mother-in-law when she was ready to purchase her first home. We knew Richard would be so kind, helpful and reassuring as she went through the scary, new process. Richard takes a very personal interest in his clients and makes them feel like family. He is very patient and holds your hand through every step of the process. In an industry where it is difficult to trust companies and people, Richard is a credit to his profession!