We've done three deals with Richard now on the original recommendation from someone in the industry. If you're reading this, you're far ahead of most by seeking out info like this rather than just shopping rates and fees. So all I can add is I trust the guy in an industry where I really don't trust anyone. He tells is like it is or as best as he can tell and made me feel confident that some of the things I couldn't understand made sense. I even had my daughter talk with him before considering her first mortgage . . . and he actually talked her out of it (something I could have never done ;)!