I already have recommended Jay Sondhi, Government Loan Specialist. We bought a house two and half years ago. We were novices in purchasing the house. The first guy we used was full of talk but didn't understand the market. His company wouldn't work with the loan guy, so they suggested Jay. He is really nice, and friendly, which is important because the process is very complicated. The people who were selling this house had some financial problems. It took a long time for the loans to go through. A year ago I contacted Jay on and off, because we wanted to refinance to take advantage of the lower interest rates. At the time there was nothing really appropriate. He told that in a couple years the mortgage insurance will be even less. I have nothing but good things to say. Other people would promise the world, but when it came to it, they couldn't deliver. He knew from the get go what was going on with the market. He was good at explaining what happens when things change, like new offers, and new possibilities. He made it clear that these things were possible because of how the market works, not due to the abilities of the home finance specialist. All the other people were full of hot air.
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