Good morning Blake:

I want to thank you for freeing me from my FHA loan with its $461 monthly mortgage insurance. It sure is a relief to be out of it. My refinance being completed in less than 30 days, was nothing short of remarkable, especially considering that the transaction occurred over the Christmas and New Year holidays, with my loan closing on December 31.

I’m not sure how you were able to accomplish this, but you did. By doing so, you absolutely minimized the interest and MI that had to be paid to the FHA. Simply put, if my loan closed any day in January, even on the 2nd, I would have been required to pay $1,718 extra to the FHA for an entire month of interest and MI, as well as interest to my new lender through February 1. Saving me $1,718 by your aggressive interaction with the lender to get my loan closed on December 31, was truly the icing on the cake. Working with you was a real pleasure and education for me.

I never had a loan officer in the past take the time to answer all of my questions as thoroughly and completely as you did and explain to me many aspects of how mortgage loans work without my even asking about them. This definitely was a refreshing change from what I had experienced previously. Also, your availability day or night to provide me with any necessary information about my loan was extraordinary. I will be referring you to all those I know who are in need of a competent, professional, caring loan officer to do their mortgage loans. If you have any clients who would like to hear first-hand about the terrific services that you provide, have them call me at 510-710-5312. I will be happy to speak to them on your behalf.

Thanks again, Blake, for the exceptional service and mortgage loan you did for me. It is greatly appreciated.