Herb helped my wife and I refinance our home and pull out some cash. He is a joy to work with—his professionalism, exemplary communication and positive attitude made it easy to keep the ball rolling in our tight timeline. But it was his attention to detail and financial advice that will bring us back to Herb for years to come. It’s a rare thing to have a mortgage professional that you can fully trust… Herb is that diamond in the rough and a credit to the local lender industry