I am a Senior Mortgage Consultant with Excel Funding, Rancho Palos Verdes, CA. I offer Mortgage Education, Rapid Loan Approval and Mortgage Management for my Clients. I treat all my clients with equal respect and return all phone calls personally. All calls are returned in a maximum of 24 hours and most often within 1hour. My motto’s are "It is All About You" and "I Deliver "Mortgage Happiness" to all my clients. We are direct lenders so we cut through all the Red Tape. My Clients think of me as a Pilot taking them to their destination. I Promise to get them there on time with a minimum amount of turbulence. fred@excelfunding.com, fwinograd@earthlink.net Cell: 310.279.7708