we were referred to Amir through our friends, who used Amir to refinance their home. so we contacted Amir and he walked us through the re-financing process...and he got us the best available rate! he took care of all our concerns, as he walked us through each step of the way, providing information and answering all our questions. he was professional, but warm and caring. I would recommend Amir to anyone who is just thinking about re-financing their home. it was really a painless process and without Amir's help, we would have never re-financed. he saved us lots of money! thank you Amir!!! jim davis