I happened to call Richard based on a recommendation from my fellow Costco member. This was a third house i was buying - the loan was approved in 6 working days. It was nothing short of amazing experience. He started off with "On the face value your file looks complex, but it truly is not!! I am going to take your case". He not only dispelled my paranoia, but also backed up the reasons with direct quotes from Fannie Mae / Freddie mac website using their publicly available official guidelines. He not only did the loan at the most cost effective way, but also educated me along the way. He was always available whenever i called him. His patience, professionalism and conduct is something i have never seen. Any number of times i have to do a mortgage from now on... Richard is my guru. Thank you Richard!! you were a god's gift to us.