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"Michael,  Thank you for all of your work with our new house.  You have been terrific

to work with and we appreciate your patience and sense of humor, as well as your

expertise!  Best of everything to you!"

                                                                   - Nancy & Bill C., San Diego, CA

"Michael, Thank you for all of your time, energy and hard work with our recent


                                                                   -Realtor Trent, San Diego, CA

"Michael, I just wanted to thank you for all your hard work in helping me purchase

my new home.  I appreciate all the time and effort it took to get me the loan that

would for the best for me.  I also wanted to thank you for showing me the ropes in

purchasing my first home.  I love my new place.  Thank you, again, so much for

helping me."

                                                                     -Keely L., San Diego, CA

"Dear Michael, It was a pleasure doing business with you as a TEAM.  Thank you for

all that you did to keep our buyer on track."

                                                                     -Realtor Antoinette, San Diego, CA

"Michael, Thanks again for all of your work refinancing my mortgage.  I hope our

paths cross again.  Sincerely"

                                                                     -Joanna C., San Diego, CA

"Michael, Thanks to you we're saving over $300.00 each month!  Couldn't be


                                                                     -Michael & Doug, San Diego, CA

"Michael, I wanted to thank you for your help in making me a very happy

homeowner.  People always say the mortgage process is a huge pain, but I thought it

was pretty easy.  I know that's because you were working furiously behind the

scenes to make everything happen smoothly, and I can't tell you enough how much I

appreciate that!  It was a pleasure working with you, and I promise you're on the

guest list for the housewarming party!  Thanks again!

                                                                   -Maggie S., San Diego, CA

"Michael, Thank you for a great job!!!!"

                                                                   - Realtor, Keith N., Century 21

"Dear Michael, Thank you so much for helping us out with the home loan.  We greatly

appreciate all of your hard work"

                                                                     -Ben and Nancy P., El Cajon, CA

Address & Driving Directions:
10509 Vista Sorrento Pkwy., Suite 200, San Diego, CA 92121

Voice: 619-564-8828

Fax: 619-243-1461