Just did the world’s toughest refi and these guys guided me through every step to closing. They’ve done several loans for me and this is the 2nd refi I’ve had with them. Richard is an extremely nice guy and will be completely honest with you, «shoot you straight» is what I tell other folks. You should ALWAYS get a second opinion on your loan situation, and this is the guy you should call, and hopefully go with. I did everything over email, took a minimal amount of my time, my case was a bankruptcy in my past, a divorce, and a rental property combined with a personal residence with cash out… Couldn’t be worse, but he figured out the best strategy and I’m closing tomorrow — on both properties with cash in my hands and title in my name only. Call these guys.