Gino is the best loan officer I have very used. I use him for my personal loans as well as referring him to my clients. I own rental property which he has refinanced for me in order to pull money out and purchase more property. He was able to make things happen that other loan officers could not. The best part is that I can contact him 24 /7. Try getting that kind of service with Wells Fargo or Chase! Thanks Gino your the best!