Hi Blake:

When we began talking In mid-April about our Interest in buying a home, we had serious doubts that It would even be possible to qualify for a loan because of certain circumstances, and what we were told by the loan officer spoken to before you. After we provided you with the information you requested over the phone, you told us that as long as everything checked out we could qualify. How you could have been that certain from just one conversation we weren't sure, but you seemed quite confident about it, and, knowing that you had recently completed a challenging loan for Jose Montano, who referred us to you, we decided to move ahead with finding a home.

Now here we are 3 months later, we bought our home, and everything you said you would do you did—and then some. You said we could qualify for the loan, and we did despite our doubts and worries. You said you would get us a low-interest rate, and you did. You said the loan would be completed in less than 30 days, and It took 25, 8 days ahead of the escrow close date. Most astonishingly, though, because our realtor couldn't get the seller to pay any of the closing costs, you said you could structure our loan and negotiate the costs with the lender so that our out-of-pocket expenditure would be minimized.

To our surprise and delight, that's exactly what happened, and In a way we never thought was possible. We only paid $378 for a loan which could have cost us about $9,200 out-of-pocket, which included our homeowners policy for the year, the money to fund our escrow account, and interest to the Lender! In addition, we didn't pay any points or fees to your mortgage company for it. There were so many other aspects of our loan too numerous to mention that you also took care of for us, which made completing It far less stressful than we imagined it would be.

Your efficiency, professionalism, and level of communication were exceptional. We are extremely grateful for everything you did to help us realize our dream of home ownership, Blake, and will definitely refer you to those we know who are planning to purchase or refinance homes. Thanks for your great work!