Keep up the good work. Tony has access to many loan choices and has the ability to explain complicated issues to my clients and make them understand and accept the process. Actually, in over 20 years in real estate, I have never had a loan officer go through the process and make it doable. It's always been "pie in the sky" and wishful thinking, crossed fingers, not practical and pleasurable. Tony accomplished all that! I have a deep respect for all he does. He is great with my clients!