I started my lending process with a "friend" who told me "I'm getting you a 3.5 interest rate, congratulations!" Then, when I asked to see my loan estimate he refused to give me the numbers. He said they'll come out a few days before closing. I had to leave him as a lender and as a friend...then comes in Richard! My wife and I found him through our realtor and it's been a real pleasure. To make a long story short, he gave me a much, much lower interest rate, and showed me my loan estimate in a short amount of time. He was communicating with me every step of the way, and responding to my emails, even at night. Thank you, Richard! I will recommend you to everyone I know that's buying a home!