We came from China. We wanted a nice home for our family with good schools, safe neighborhood and close to work. But since we were new to the country, only 6 months, we did not have enough credit history to get the loan we needed. We remembered Fred from an open house; he was nice and seemed knowledgeable. So we contacted him. The first thing he did was find a lender that would work with him on our behalf. He convinced the lender to use our 10 years of credit history from Finland where we had worked. We got a good loan but not enough. Fred then asked if we had stock rights, we did; the lender had not asked. Fred got the lender to get us an equity loan that went into effect at closing, which we heard was rare. But that was still not enough. So he found us a private money lender, showed them how quickly we could pay off their loan, and got them to cut the points in half. We got the house! Fred is our friend; we stay in touch; and he is always interested in what our family is doing. He's loyal and relentless!