Jay,
I wanted to take a moment to thank you, Heejin and Phil for all your superior assistance with our loan. I realize that this was probably one of the bigger challenges your company had to face- the debt ratio probably would have been considered an insurmountable obstacle for most companies, but the three of you really persevered and refused to take no for an answer.

We were so ecstatic when we got the email from your office saying that the loan not only had gotten approved, but had gotten approved with such favorable terms.

You made the dreams of a 23 year old first time home owner come through and we will be forever grateful for your personal commitment to this deal.

There is no doubt in our mind that we will not only recommend you to everyone we know who might be interested in purchasing a home, but we will also most definitely use your services again when we buy our next home.

Joshua and Barb Goldsmith