Thank you for taking time to look at my profile. I want you to know a few things about me. Since I started originating loans in Southern California, I have found that there are many things that are important when looking for somebody to help you purchase or refinance a home. Here are some of expectations you can have about my service. I will not mislead or tell you something that is not true I quote you a rate. I will make sure it can be locked so there is not change. Your will see my fee's upfront every time. I will return all calls the same day. I will be realistic about what to expect in turn times with your loan . I will update you on your loan constantly by phone, or email so you know every step that is taken on your loan. I am a firm believer that service and value are more than just a low rate. Thank you again for your time.