Amazing Lender, responsive, and professional. Joshua goes above and beyond to help us get our loan. He made our offer the strongest against 15 other offers on a property in this current market. Joshua is always able to take the time to answer any questions and walked us through the lending process. Super informative and knowledgable in his profession. I would highly recommend working with him again.
Joshua and his team provided us exceptional service and are a real joy to work with. Joshua provided a comprehensive overview of the housing market during our initial meeting and was patient, kind, and understanding throughout our time working together in what was undoubtedly a stressful process in a unique home-buying market.He and his team are incredibly responsive and made themselves available to answer any and all questions we had. Joshua also went the extra mile to ensure our offers were presented in as strong a light as possible.Weve sang Joshuas praises to others we know and plan to recommend him to friends who are looking for someone to help guide them through the loan application process.
Joshua and his team at Blue Financial Group are simply exceptional when it comes to home loan lending. Their commitment to making the complex process of a mortgage understandable is truly remarkable. At every step of the way, they employ creative emails and videos to keep their clients informed, making the home buying experience an absolute breeze. Their attention to detail is second to none and they are always available to answer any questions, ensuring that their clients feel supported every step of the way.What really sets them apart is their incredible $5000.00 guarantee program, which truly demonstrates their confidence in their ability to deliver results. They offer to pay the seller $5,000 if they fail to close a certified home buyer, or they will pay a $100 per diem penalty if they close after the contract date. This guarantee makes them the obvious choice for anyone in need of a mortgage.Overall, I strongly recommend Joshua and the Blue Financial Group for all your mortgage needs. Their expertise, attention to detail, and commitment to their clients is simply outstanding.
The team at Blue Financial Group, led by Joshua, is truly outstanding in the realm of home loan lending. Their dedication to demystifying the intricate mortgage process is commendable. They utilize innovative emails and videos at each stage to keep their clients up-to-date, making the journey of home buying incredibly smooth. Their meticulous attention to detail is unparalleled and they are consistently accessible to address any queries, ensuring their clients feel valued and supported throughout the process.
Joshua and his team were very great to work with. They were extremely helpful with answering our questions and leaning on to for help during our first time home buying experience. They were very communicative throughout our buying process and definitely made sure to support their buyers along the way.
I have been a real estate broker for almost 20 years and Joshua Sun is hands down the best lender Ive ever worked with. He is extremely knowledgeable about loan options for my clients and most importantly he explains all the complicated loan details in a very easy manner that even first time home buyers feel comfortable.It is very important in the real estate business to work with trustworthy individuals, especially when you are dealing with one of the largest assets that a person will very buy in their lifetime. Joshua has been a true blessing for me and my clients. He is always very patient with buyers and has their best interests at heart.I recommend Joshua to all my buyers, family and friends.Thanks so much for all your years of hard work and dedication!!!
Absolutely awesome! Joshua and his team were really easy to work with, fast, responsive, and got my loan approved in only 11-days! It was my first time buying a home and like many - I had a lot of questions. Joshua explained everything in detail and provided example scenarios of loans (ie. rates, types, etc...) depending on housing type (ie. condo, townhouse, single-family). It took me a long time to find a home during the pandemic, but Joshua and his team were always patient and helped me put various offers in.When I finally found a home, it turned out that Joshua had worked with the selling-agent before. Its always good to have connections and Joshua is well-known in the industry/community. Once I had my offer in, I had a strict timeline because I was going on vacation in a few days. Initially we were going to wait for final signatures until I came back, but Joshua and his team got everything done really fast and I closed in 11-days! That is unbelievably fast! I had a loan but the closing-time was almost like a cash-offer!Its been a few months now in my new home and Joshua still checks-in from time-to-time to make sure things are going well and answer any questions that may have come up since closing.To summarize, Joshua and his team are the best. I would absolutely recommend them to anyone looking for a lender in their home-buying process.Thanks very much Joshua and team!
Joshua and his team at Blue Financial were truly 5 star service throughout our entire buying process. Joshua spent time with us going over our options regarding pricing, payments and rates; answering any questions we had.The team was able to present our offer as a very attractive cash like option to the seller and was accepted. In this market I was VERY surprised our very FIRST offer was accepted.As you know if youre reading this, the buying process can be quite stressful. Having Joshuas team certainly helped relieve some of that stress which helped us really focus on other concerns!In short, you should feel confident in joining Joshuas team, highly recommended!
We have been working with Joshua for a couple years now, and he helped us on the initial purchase of our home and now on a couple of refinancings. Each time we have worked with him he has been super helpful. He keeps us updated and informed in order for us to make the best possible decisions. It is evident that he takes pride in his work and that he truly has his clients best interests at heart. We will definitely continue to work with Joshua in the future. Thank you Joshua for all your help!!
Having been a realtor for the last five years, Ive worked with many lenders and other industry professionals... Joshua Sun is such a pleasure to work with, and he goes the extra mile with his extraordinary work ethic and great communication! Many times, he has helped some of my clients in situations when other lenders were unable to perform. Whenever my clients and I have questions regarding the loan process, getting preapprovals, fulfilling conditions, underwriting, and of course, getting the best rates, Joshua has always been prompt with delivering answers or getting them squared away by the lenders hes working with. I would certainly refer my closest friends and best clients to Joshua Sun because he is always upfront and honest and goes the extra mile to finding the right solutions. His team works just like he does: with integrity, good ethics, and the highest level of professionalism! I will continue recommending and referring my friends and clients to Joshua and his team!
I came to Josh initially in 2019 to refinance my house after receiving many stellar personal recommendations for him. Def did not disappoint. Josh and his people were very responsive, helpful, and organized. They were very accommodating with my busy schedule. I went through Josh twice with refinancing, and Josh also assisted me with getting a new loan for another home. Josh is a pleasure to work with, and I would definitely work with him again in the future for my financing needs, and would highly recommend him to my family and colleagues.
Josh and his team at Blue Financial was great and a pleasure to work with. I am new all of this process and Josh and the team was very helpful with responding promptly and able to give good education on paperwork. I didn’t know how tough it was to get all the paperwork and all the items needed to complete, but Josh’s team made it easy with answering all my questions and concerns. The team was able to find great options when I was shopping for a lender. I definitely recommend.
Joshua and his team save you money and time. They offer competitive rates upfront and are extremely patient and helpful. They really absorbed a lot of the stress of buying a home for me. I am so grateful for Joshua and his sincere service. There is no way that I could have purchased my home at such an affordable price without him. I would definitely recommend him and connect with him again for future loan opportunities.
We made our mortgage purchase decision in very short timeline. Since we were purchasing a condo in California from Texas, the real state bidding process is very different. A pre-approve letter issued from a loan broker is a must before we can be an eligible bidder. We contacted Joshua Sun from Blue Financial Group and he quickly responded to our request and we were able to get the approve letter in the second day. A video Team meeting setup by Joshua also cleared many questions we had. In the end, we were able to successfully win a bid and closed the deal in 5 weeks. This is unbelievable smooth considering we are buying from out of state and without personally present in California. In addition, Rachel Bettine (Joshuas assistant) also did an excellent job by keep up updated twice a week. I would most definitely recommend Joshua Sun of Blue Financial Group to anyone has loan application need to purchase real state.
Joshuas team at Blue Financial Group helped us secure a loan on our new home. I cannot say enough nice things about this entire company. He and Rachel responded with a professional calm and a wealth of industry knowledge. They patiently walked us through the entire process. Because of our tight timelines, he had to pull off a feat that was nothing short of a minor miracle. We not only got approved in record time, but he also got us through escrow swiftly without a hiccup.Without any reservation, I highly recommend Blue Financial Group and will continue working with them whenever possible.
We were luckily referred to Joshua and his team through our realtor and were so grateful for that especially in this discouraging competitive market because truthfully without Joshua and his team, our offer will not be as competitive as it is. You always hear horror stories during escrow but they made this whole process a breeze. With the impressive skills that Joshua and his team had we were able to get our loan approved in 5 days with a great rate. They are extremely professional, efficient, and responsive. There was never any trouble reaching out to them and each time we did they were very patient and informative. But of course we cannot leave a review without mentioning his phenomenal transaction coordinator Alana, she was so informative and there is no such thing as a dumb question with her. She updated us all the time and was always right beside us whenever needed. We will definitely be working with Joshua and his team and will be highly recommending them to anyone we know!
Joshua was able to help me getting a loan to purchase my very first home! He was responsive, transparent, and patient! He made sure we every step in order to close our home purchase transaction in time. Most importantly, his team and him were able to help us with the lowest interest rates possible!! Every time I get a home, I will for sure to have him help me with getting a loan! Thank you Josh!
I was very lucky to be referred to Joshua by my agent. As a first time home buyer, I had a very smooth approval process working with Joshua and his team. Not only are they professional and responsive to my concerns/questions, they are also very attention to detailed and patient. I would definitely work with him again on my next purchase!
I primarily worked with Joshua and Alana with Blue Financial Group and the service has been spectacular! Im an agent/realtor that have connections with a good amount of lenders and have seen Joshua pop up here and there since were Facebook friends. I was trying to do a refinance on one of my investment properties and my usual lender said he wasnt able to do a cash out refi on it so I decided to give Joshua and his team a shot. From the time I reached out to Blue Financial Group, I wasnt ready since I didnt have my tax returns finalized. They followed up with me every few weeks without being annoying, but gave me updates on the current rates until I was finally ready. We pulled the trigger and they delivered! Gave us a pretty awesome rate and things went pretty smoothly especially with the weekly updates on their end. Were going to sign loan docs soon and will probably use Joshua and his team for some future transactions with my buyer clients!
If you are in the market looking for a loan officer whether it be to buy a new house or even refinance your existing mortgage- look no further! Joshua and his team are phenomenal. Being a finance professional myself I appreciated how detailed and transparent Joshua was while talking through the different financing options. We closed my loan in 21 days and this was by far the best and easiest experience compared to my previous ones. Big shout-out to Britani Bohacek and the rest of Josuha team working behind the scenes for addressing all my questions and making this a pleasant experience.
I highly recommend Joshua as a lending partner.He is always shopping for the best solution for his clients and his speed in response, effective communication of terms and options makes him one of the best to work with.Joshua is knowledgable of the most suitable options for clients and is extremely honest when there are better solutions available in the marketplace. There have been times where he has actually referred the client to other lenders to best serve their interest.Most importantly, he is kind and patient-- a true joy to work with.
Joshua is super professional. I have been a realtor for more than 12 years. Ive been working with him for a couple of years. He is always very detailed on explaining the loan process for my clients. At the same time, he is able to close the loan in a very short time. He definitely always over deliver and go above and beyond on what he promises my clients. If you are looking for a lender. He is your man!!!!!
Joshua and his team are phenomenal. They went above and beyond to help our family get into our home.They are a financial group but they did more than that. They kept us informed throughout the entire process, they were very detailed when it came to our options. They did a great job of finding the right loan for us. They also helped by contacting the sellers and their agents to reassure them that we had everything lined up and ready to go (will your bank or other lenders do that for you?).Even after we closed, Joshua and his team still reached out to make sure we were well taken care of and to make sure we didnt need anything else. They were also very helpful with information on things we need to be prepared for and what to look out for now that we are home owners. We really appreciated that.It felt so good to have his entire team supporting us. That was very comforting during the peaks and valleys of the home purchasing process. They all would check in on us and they worked great as a team. Like a well oiled machine.We found Joshua and his team by change, but will forever be grateful that we did!Sending many blessings to him and his team.
I’ve work with Joshua for years over multiple loans. I kept coming back to him because he is extreme knowledgeable in his field, but most importantly he is patient and trustworthy. He will investigate and listen to your needs and recommend the best solution for you base on his years of experience, even if it mean not getting a loan from him at the moment.
Joshua and his team sincerely shows care for those he works with. We bought our new home with his help, and he made what could have been a much more stressful process smooth by ensuring we have the information we need every step of the way. He makes videos to update us on the current market situation! We worked with him and Britani to get our loan - would highly recommend them.
Joshua has always been so good with his information, he answers you almost anytime of the day or evening, and does a great job with current and past clients. Thank you for what you do for us! My family and I truly appreciate you! I already referred multiple friends and co-workers so he can help more people that I know! Personally I have multiple transactions with Joshua as well. Two thumbs up !Communication: 5 starsService: 5 starsEfficiency: 5 starsFlexibility: 5 starsThanks again!! lol forward to work with you on my next property!
Joshua and his group has been amazing! We have been so impressed with how fast the team works and how thorough they are. They had excellent communication on the entire process/what to express. In addition, was so impressed by how courteous/kind they were. Their customer service is superb! Definitely cant go with any other financial group after working with them, everyone pales in comparison.
Joshua is detailed, patient, and knowledgable. In working with him, he has always been upfront and willing to work around our needs. Hes got a terrific team behind him as well who are all super easy to work with an d extremely helpful. Great team of fantastic loan professionals!
We highly recommend Josh and his team at Blue Financial Group. They recently helped us secure our VA loan for our first home. They work quickly and were responsive, knowledgeable and communicated often. They answered all of our questions and concerns and guided us through this stressful process one step at a time. Highly recommend and will work with again.
Joshua was amazing at getting me a loan! In a time when it is difficult to buy a home, I not only got a wonderful loan with an excellent interest rate. I cant thank Joshua and his office for giving me the dream of owning my own place!
Joshua and his team are literally the best in the business. They helped me get my house and saved us money left and right. It was my first house but my father has bought many houses and said these guys are the best hed ever worked with. They definitely deserve their reputation.
Joshua Sun was a great partner in funding my loan here and closing on a home in the bay area. He closed in record time in this highly competitive environment and kept me informed as a first time home buyer.I will definetly use his services again for my next purchase or to refinance!
Closed on my new home on 1/31/22! As a first time homebuyer, I had many questions (and anxieties!), but Joshua and Britani walked me through the entire process and kept me in the loop every step of the way. I appreciated that regular updates were sent out to all parties involved so we knew exactly where we stood, and if any questions did come up, the team was swift in their responses whether it be by text, phone call, or email. Josh’s team is extremely professional, knowledgeable, and easy to work with - would highly recommend them to any future homebuyers!
Joshua was fantastic and was a huge reason that my clients’ offer was accepted. Him and his team were readily available to do whatever was necessary to get the deal closed. I will definitely recommend Joshua to any future clients in need of a trustworthy lender.
Joshua and team can process loans quick and follows through. I got my offer accepted on a house because of the 21 day cash-like offer through his team. I highly encourage all to work with him. You can trust him to represent you.
Josh and his team were referred to us by family and for good reason. Josh and Allen were extremely professional and were a breeze to work with. They made the entire process as easy as possible for my wife and I as they closely worked with a fantastic escrow team that made every step of the way easy and convenient until closing. They were not only easy to get a hold of but were also always one step ahead in updating us on what to expect next. We simply could not ask for a better team to work with as they gave us peace of mind during a process that would be stressful otherwise. We will definitely recommend them to friends and family.
This was an incredible experience! Joshua and team made this process so easy and transparent. They kept me informed at every step of the way and took the time to explain things that I didnt understand. They provided secure portals for my sensitive information. I was so impressed by their professionalism but most of all by their kindness. I recommend highly to anyone and will certainly work with them again with any home purchase or refinance.
Talk about precision in execution. Josh and his team are knowledgeable, kind, friendly, and responsive. We even closed escrow early. They start with an amazing intro and get to understand where you are and where you need to be. They commit time to reviewing the documents that you provide in their very easy to use platform. Regular updates are provided and make sure to answer your questions. When its time to close the have all the documentation ready to go and and all your questions are gone. This team is unquestionable professional and will go above and beyond. This is the company Ill be referring my family and friends to.
I was very happy to work with Joshua and his team! They took initiative and their process was very structured. They are super responsive, professional, and on top of everything! Great communication all around and they made the home buying process less stressful for me. I would highly recommend!
I dont write reviews often, but since this is such a monumental occasion, Im gladly going out of my way to write one for Josh, Alana, and the Blue Financial Group team. My wife and I are first-time home buyers, so there was much to learn as we began this process. Blue Financial Group was a referral from my trusted agent, so I decided to see what they have to offer. Theres 3 major things that really make Blue Financial Group stand out. 1. Speed, 2. Competitive Rates, 3. Clarity.Starting with speed, Josh, Alana and the Blue Financial Group team were fast, and Im talking REALLY FAST. You send an email, and you should expect a reply within minutes unless material takes time to review. Even if it does, the team will get back to you with acknowledgement so you know everything is going smoothly. This was incredibly important since once we opened escrow the clock began to tick. Responses aside, they also work fast too. We opened in Oct 12, and closed escrow on 11/1. The speed at which the Blue Financial Group operates is staggering, almost overwhelming for a new buyer, but if youre looking to close quickly, theyre definitely the ones to turn to.Next comes the rates. Yes, as Josh and Group has advertised, they have amazing rates. When it comes to these kind of things, always do your own homework and compare rates. But, Ill tell you now that youll be hard pressed to find rates better than what they offer, for all the reasons explained in the groups bio. Josh is incredibly straightforward with everything, and I genuinely appreciate him providing his personal recommendation while 100% respecting my personal decision. Almost like a friend, you can tell hes trying to save you every penny he can, while demonstrating the utmost professionalism and respect at the same time.Lastly, theres an incredible amount of clarity working with Josh, Alana, and team. As mentioned before, my wife and I are first-time buyers, so we both had a ton of questions throughout the process. Josh, Alana, and the team were incredibly patient while providing clear and concise answers in a timely manner (did I mention theyre FAST?). Everything was well documented and each step of the process was clear. There was never a moment of what do I need to do next since everything is properly explained and spoon-fed.I couldnt give this group higher praise for their work, and its not surprising why they have hundreds of reviews with a perfect 5-star rating. You literally couldnt get much better. 5/5, look forward to working with you all again when we buy our next house!
Joshua helped us lower our rate and tap into our home equity to start our new business. He was very responsive, informative and caring throughout the whole process. I would highly recommend his services to anyone. 👍👍👍
I refer all of my clients to Joshua and his team. They do an exhaustive search to get you the best rate and find the best mortgage program available. Their ability to structure solutions and find advantageous financing sets them apart.
Joshua is very honest, diligent, & hard working man!!! He works very hard and finds solutions to your mortgage needs!! Highly recommended his services and friendship 👌
Thank you Josh for helping my clients with their loan. There were a lot of lenders who tried to make their loan work but it was too complicated. You and your team was not only able to get the loan approved but also gave them a competitive rate. Will definitely be referring you more loans in the future!
Josh and Alana, and team were all amazing. I was referred by my real estate agent to him, so I knew they would communicate well and have great synergy; and that things would move fast; but man, did things move fast. It was almost blinding, and well, now 10 days earlier than expected, I have closed and am settling in my new home.Communication is clear and Josh and team try their best to respond as soon as they can. Sometimes its instant/same day, sometimes it takes a little longer but I can cut them slack as I imagine they and every other lending company are swamped by the crazy amount of applicants and buyers in this ridiculous housing market.I havent met the team in person, but I have spoken with Josh through Zoom, text, and phone; which works for me and in these pandemic times.I dont really have much else to add as I have nothing to compare it to. Everything was basically virtual and electronic which worked for me and I dont have much to complain about with how fast and smooth everything was.
Joshua and his team are incredible! Always willing to help you in every way, and most importantly patient. I will definitely continue to work with them in the future.
Loved working with Joshua and his team. Refinanced my loan and they were able to lock in the best rate. They are super patient and helpful. Looking forward to working with them again.
I’ve worked with Josh and his team on a few transactions, and my clients have had no complaints about their professionalism and quality of service.They really go above and beyond and their thoroughness is second to none that I’ve come across in a while. I’ve continuously recommended them to many clients, and he has had some of the best terms and pricing compared to other competitors. I will keep recommending others to them.
Joshua and the team went above and beyond patiently walking us through the process to finance our first home. 10/10 would recommend! Thank you Joshua, Alana, and everyone on the team that made it happen.
Jushua and Alana did an excellent job helping us on the loan, our application got closed less than one month. Their work ethic and attitude is top level!
Josh and his team were outstanding in their service. Everything we needed was done expeditiously, and any questions or concerns we had were addressed. I would be happy to do business with them again.
Josh and his team were very professional. They made my mortgage refinance process so simple and easy. I wish I have known them before :)
They did a phenomenal job! I would highly recommend their services. They are quick to respond, extremely knowledgable and overall great people to work with. The process was so much easier with their guidance and expertise!
Going with Joshuas team is the smartest decision I ever made for my house purchase.
Love the guy and the team! They help you to get great rate, and give you excellent service. They are always responsive, and there are no wrong questions to ask. Highly recommend!
Great professional service. Consistent updates. Timely and accurate information. I highly recommend.
Simply the best
Total reviews rating 5
67 Reviews for Joshua Sun Loans 2024:
Review №1
2024-06-28 02:06:54My wife and I enjoyed working with Joshuas team for the purchase of our new home. Really appreciated Joshua taking the time to meet with me individually and educate me on mortgage loans and interest rates. And his team members Gaby and Shaun were always available to answer any questions and work through the intricacies of the loan approval process.
Review №2
2024-07-01 04:00:54I had the pleasure of working with Joshua, Gaby and Shaun. The entire loan process went smoothly. The entire team spent time to answer all my questions and helped me understand the process from loan approval to closing escrow. Gaby would checked in on me often, which made me felt like they really cared and was there for me during this process. When my offer was accepted, they worked so diligent to close escrow in 15 days. Communication with the team was exceptional. They will answer any questions you have, day/night/weekdays/weekends. They are patient and extremely professional. Thank you again!
Review №3
2024-05-16 20:45:27Joshua and Gaby helped me and my wife out in purchasing our first home here in SoCal. It’s no easy feat trying to balance all the variables that go into the home buying process but Joshua and his team helped make the process easier and went into detail regarding explaining topics that first time homebuyers may be unfamiliar with.If anyone is out there looking for a reliable team that works to represent yourself and looks out for your best interest in the home buying process, consider Joshua and his team!Also for those interested in staying informed, the team sends out a daily (Mon-Fri) email regarding current events that may affect home buyers/sellers. This email is probably the one email that I consistently read on a daily basis just to stay on top of what’s going on with housing.
Review №4
2024-04-03 15:57:55We had an exceptional experience working with Joshua and the ACG Funding team for our home mortgage. From start to finish, they demonstrated professionalism, efficiency, and genuine care. Joshuas expertise and personalized guidance were invaluable, while Gabys attention to detail and responsiveness ensured a smooth process. Their commitment to our best interests, clear communication, and seamless coordination made the entire experience much better. I highly recommend ACG Funding to anyone in need of mortgage financing assistance.
Review №5
2024-01-09 22:20:47As a real estate professional, Ive had the pleasure of recommending Joshua to numerous clients over the years. Without fail, he has consistently delivered exceptional results, successfully closing deals that seemed challenging for other brokers with less expertise. Such is my confidence in Joshuas abilities that when it came time for my own loan, he was my first choice. Trustworthy, knowledgeable, and dependable – Joshua is truly a go-to expert in the real estate industry.
Review №6
2024-04-17 23:43:14I met Joshua through mutual friends in the real estate industry and immediately noticed his genuine character and care for his clients as a lender. If you are looking for someone who is experienced, and can help you with financing your new home, Joshua is your guy!
Review №7
2023-04-05 18:31:52I cannot thank Joshua enough for the exceptional service they provided to my clients during their loan process. From start to finish, Joshua was professional, knowledgeable, and extremely responsive. They took the time to explain every step of the process, answering all questions and addressing any concerns that arose.But what really setsJoshua apart is their dedication to making sure my clients got the best possible loan terms and rates. They worked tirelessly to find the right loan product that suited their specific needs, and they always kept my clients best interests in mind. Thanks to [loan officers name], my clients were able to close on their loans quickly and with minimal stress.Overall, I would highly recommend Joshua to anyone looking for a loan officer who is not only skilled and knowledgeable, but also genuinely cares about their clients. They went above and beyond in providing excellent service, and my clients and I couldnt be happier with the results. Thank you, Joshua, for your outstanding work!
Review №8
2023-01-24 19:53:34Joshua and his team is absolutely amazing! He goes above and beyond to make sure his clients are taken care of. Hes extremely informative about the loan process. Closing on time is always a top priority for his team as well as maintaining a great experience for the clients. Joshua also works really closely with the Realtor in every transaction. This helps provide advantages to the client to help get their offer accepted. I highly recommend Joshua and his team!
Review №9
2023-09-15 14:43:49I had a great experience working with Joshua! Very knowledgeable about everything with Home finances and the market. He is my go-to expert and most importantly, an expert that I trust.Seeing how this is the second time I turned to Joshua and his team for help, Id recommend him to anyone needing home financing assistance!
Review №10
2023-06-01 19:57:38I sold my previous condo and bought a house this February, and Joshua worked on the financial part through the whole process. He made the whole process an easy and pleasant experience! He is so on point when communicating with my realtors, he puts me into the best position and helped me lock the lowest interest rate at the time! He is such a reliable and trustworthy lender that I would recommend to any property buyer or seller!