Thank you for the excellent service we received from you. Since Sandra and I are both from Europe, our questions and issues are different from what is common in the USA. In addition, some of the terminology in the mortgage business is new to us. Since we do care about our responsibility, we had lots of fear, but AV Vaghela was able to take that away from us. Thank you for your patience and devotion; without that we would not have been able to close so smoothly. We have referred AV to our friend who is currently in the process of acquiring a house.