I initially applied loan from three lenders and decided to work with JMJ Financial since they have the best rate. I worked with Richard at JMJ Financial to apply my loan. Richard is a very hardworking and responsive person. He answered every call, message and email no matter day or night in a timely fashion. He provided very detailed instructions to help us prepare the loan documents. The whole process feels like a breeze thanks to his diligence. The best part, Richard hinted us to use the extra credit we received from the seller to further buy down the rate at no cost to us. I would recommend JMJ Financial and Richard to anyone who is looking for a new home,