I have been in the business since 2000. I have seen it all and know how to help our clients save the most amount of money. My reputation speaks for itself. We are the number one rated lender on the LendingTree website. Please take a look at my company Triumph Lending's reviews you will only want to deal with my company once you read a few. "Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act"