I never thought I could buy a home after going through a divorce and having not-so-good credit. I was referred to AV Vaghela by a Keller Williams Realtor. The minute I called, they were ready to help. They walked me through the entire process step-by-step. They met with me in-person at my work to discuss and sign some paper work. They also assured me that the interest rate I was approved for was very competitive and that I could call any other lending group and compare if needed. I could not believe that I even qualified for a loan with all of my debt. They had me pre-approved for a loan quickly, and I was able to get the perfect house for myself and my son. They were also easy to reach by phone and email, and always responded to my communications with them within minutes. AV and his team also worked after-hours many days to help me get my loan. They also discussed in detail with me all the aspects of my loan and were very patient with me. They also exhausted all options to save me money on closing costs. I also recently refinanced my home with AV and his team. They were able to get me locked in at a crazy low interest rate. I feel that AV has become not only my Mortgage Loan Originator, but also a friend throughout this entire process. I would strongly recommend AV to all of my family, friends and anyone who needs an expert Mortgage Loan Originator.