I highly recommend Raj for all of your home loan needs. He was honest from the beginning and guided me through the whole loan process step by step. Raj had answered all of my questions and made sure that I understood which loan programs most suited my needs. He was also very punctual in getting back to me and kept me in the loop the whole time. Even after my loan closed, Raj was diligent to follow up with me and my wife to make sure we were satisfied. I have referred all of my clients, friends and family over to Raj even if they just had a general question about mortgages. He knows everything there is know, inside and out, about the mortgage industry. He is thorough, fast, extremely hard working and always responsive--not to mention pleasant, courteous and respectful. If this is your first time getting a mortgage, Raj will make the process easy, clear and comfortable for you; and if you're not new to the process, you will appreciate him nonetheless! If you're looking for an extremely professional and experienced home mortgage consultant who puts your best interests first and foremost always, Raj is your guy!