Dear Mr. DiVita:

I recently applied for a HELOC through your company. I worked with Blake Kleckner on the application and felt strongly that I should tell you about my experience working with him.

Our loan application was fairly complicated for several reasons that would take too long to explain here. Frankly, I had pre-viously applied with Citibank and Wells Fargo, and after wasting a lot of time and effort, neither of them were able to get us approved, partially because their loan officers didn't even bother to understand our requirements, let alone how to fulfill them. I was then directed to your company, especially to Blake, by Mari Rojas at Prominent Escrow.

We had to overcome several complications related to American citizens working abroad and dealing with different regula-tions by different countries with several variables that do no fit the basic mold for most lenders. Blake's creativity and re- sourcefulness helped us overcome all of these obstacles in a very timely manner. He is not only motivated to do the right job for a client, he also works long hours, late in the evenings and on weekends. When he says that he will get something done by a certain time, I have 1005% confidence that it will be done correctly and on time.

Blake is undoubtedly a "TRUE" loan officer, very unlike the so-called "loan officers" at banks like Citi and Wells Fargo. In my book, and after working with Blake, I found those people to be no more than glorified paper pushers whose responsibility is to process paperwork without the requisite knowledge of what it actually takes to get a loan processed properly with the creativity and resourcefulness of someone like Blake.

I can tell you with complete confidence that he is an asset to your organization and I will certainly refer anyone looking for assistance with any home related financing to your company, strictly to work with Mr. Blake Kleckner.

Best regads,

Wael Khoury