JIt is with the utmost pleasure that we recommend Dick Dobbs as your mortgage agent. Last fall we had a very difficult time financially, and we desperately needed to refinance our loan. Every institution that we contacted turned us down flat, saying that our debt ratio was too high, too many credit card accounts, too many inquiries in the last 12 months, etc. If there was an excuse to be found, they found it. By chance we met Dick at a luncheon, and he gave us his card, telling us he thought he could help us. He took the initiative in taking down all our information, checking it, double checking it, triple checking it, etc. He got back with us within two days and told us what exactly we would need to do to get the refinance we needed. We worked with Dick over the next month, and by the week after Thanksgiving we had our loan! What a great Christmas present–no house payment that month! Dick is a caring, patient, genuine person who knows his stuff. He knows who to contact and what to do in a tight market. He never lets any financial institution tell him “no” when it comes to the welfare of his clients. He’s a fighter for his people. Again, if you want someone on your side when you’re in trouble with your mortgage, give Dick a call. He doesn’t just talk the talk, he walks the walk.