From LS

Ralph Otto over the past six years has arranged home loans for the purchase of not only our first home in Oxnard CA, but our present home in Murrieta, CA. He additionally handled the subsequent refinancing a year later that combined first and second mortgages at the bottom of the interest rate decline. All three loans were trouble free, timely, and at the agreed to terms and conditions. I have recommended him to my friends, family, and business associates and wouldn’t hesitate recommending them to anyone else desiring a loan to purchase or refinance. 

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