My wife and I are first time home buyers and were totally unaware of what it took to buy a home. Richard insisted on meeting with us face-to-face to ensure we were comfortable with the process. He gave us a step-by-step guide to what we should expect from the entire transaction. Then, after we contracted to purchase, he followed up with us as a reminder at each critical stage. He was able to allow us to purchase our home with less than $500 out of pocket. We have referred Richard to anyone we know that is interested in purchasing or refinancing.