I have been using Eric for years, he has never let me down. Very professional and personable. I highly recommend Eric. I have used Eric twice and referred him many times to other friends of mine. He refinanced my first house over 10 years ago. He combined some credit card debt with our mortgage, which helped our cash flow by $400 per month. When we bought our new home in 2004, we were facing a $2800 mortgage payment and again, he refinanced us when the rates took another dip. He saved us another $400 a month. As we speak, Eric is looking into refinancing us one more time as I can shave another 3/4 of a point of my loan. Eric works hard and communicates on a regular basis.