I’ve known and work with Ralph Otto for 12 yrs financing and refinancing properties . He helped my wife and I get into our present house 15 yrs ago when interest rates were 8.5% and when our income and down payment were smaller. Along the way he has worked on refinancing for us on this property as well as my property in Las Vegas. I place a high degree in trust in him, which I highly value. He has always been very well informed as to the climate in the mortgage industry and given me all the options available to me. I have sent referrals to them that they has helped when other mortgage brokers stalled. He is my mortgage broker for life!