Rich Polonsky is the absolute best & I can’t recommend him more highly! He was always informative by contacting us when refi rates were low, but never did we feel pressured to go forth when timing wasn’t right for us. He was extremely knowledgeable about getting loan approvals so would always be one step ahead by requesting only relevant information that would expedite & make our application as painless as possible. He was always respectful of our goals and always sensitive to work according to our agenda, not his. As a person, he was great to work and communicate with – always friendly, personable & sincere. Rich helped us secure the loan on our house back in 1998, and we have since refinanced with him at least 2-3 times. Rich made an otherwise stressful process much more pleasurable. I have and will continue to refer him to the closest of family, friends and whomever needs an honest, kind, knowledgeable & utmost professional in the mortgage lending business.