Let’s star by saying that Richie is by far the best to work with on a loan. I have went thru hell with this refi before I met Richie. I was approved by two lenders before I spoke to Richie . The day of closing both lenders said they couldn’t close because of the appraisal. So when I spoke to Richie and explain what had happen he told me to let him look at it and he would see what he could do with it. I was very clear I didn’t want to waste my time or his if he thought there was going to be the same outcome. After a day or two he called me and said he could help. So here we are closed on the loan with no problems. He is the best and I would recommend him to everyone I meet that needs a loan.