My parents refinanced their townhouse through Rich Polonsky from a personal recommendation through friends. They are quite pleased with them and plan to do business with him in the future. When my husband and I were buying our current townhouse, we went with a friend of ours who was trying to expand his insurance business into mortgage financing (yes, we're that stupid) and they locked us in into a horrible loan. By the time we figured that out, we had no choice but to go through with it, but my mom insisted we call Rich and get his advice. I felt like I was imposing, but he spent 20 minutes talking to me on the phone and making me feel better for the decision I'd made and getting info to immediately refinance us. He also advised us to go to our bank and see if we could get a preferred rate. When we compared our bank's rate to his, it didn't make financial sense to go with him, but we plan to give him first shot at our financing whenever the need arises again.