Mr. Caldwell made himself available to us on weekends & after hours. Being first time homebuyers we were unaware where to start, what to do next etc.... Mr. Caldwell got us a great rate interest rate locked in, and he worked very hard to ensure my family got into our new home. Richard is extremely knowledgable as well as exceptionally friendly. My wife and I are very happy we had a true professional to help us through the mortgage maze. I would without reservation reccomend Mr. Caldwell to my family and friends. Thank You! Mr. Caldwell Love The Morgan Family!