My wife and I have gone through Rich for two purchases and several refinances over the past 10 years. We have NEVER seen any excessive or unusual fees - and all our closings have been smooth. The rates are fair and low, and the fees are clear - NO SURPRISES!! Only a few of the professionals that I've worked with earn a referral from me - and Rich is on that list. With confidence, I will continue to refer my friends and colleagues to him. Thank you Rich...