Dear Robert,

     Yesterday, my wife and I completed the refinancing of our house. We were extremely pleased with the entire process. We have had numerous prior houses and prior refinancings. This one, however, was the easiest, most rapid and we were extremely pleased with the new mortgage rates.

     Robert, both of us thank you so much for many reasons.  We had many, many solicitations to have refinancings.  Many of these solicitations were from telephone calls from unknown organizations.  As you recall, you were referred by someone very knowledgeable in the real estate market.  After our initial telephone call, I was truly impressed of your knowledge and analysis of the refinancing details.  In fact at no time did you pressure me into making immediate decisions.  In fact, you stated that maybe I should wait and see if the interest rates would decrease.

     Robert, as a result of your recommendations, I received a very good interest rate as well as other very important suggestions.  The entire mortgage refinancing process was made relatively simple and very fast.  Thank you so much for your advice, efficiency, and many financial suggestions.  On a scale of 0 - 100, you were easily 100.

Sincerely,

Louis M.