A Word from My Valued Clients!

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1 A Word from My Valued Clients! I want to thank you very much for all of your help in the refinancing process. We ve enjoyed working with you and your staff. The professionalism and service are very impressive. I ve also referred a couple of people to you. Thanks again and have a very Happy and Healthy New Year! -- Susan & Stan Brad, Thanks - we just returned home from settlement - looks like everything is now complete - thanks again, we look forward to continuing to recommend you to our friends, it was a pleasure working with you and thanks again for helping us navigate the process and dealing with our continuous barrage of questions. -- Jeff Brad, Jackie and Nancy, I've been meaning to send this all week. I just wanted you to know that I was extremely impressed with the speed and professionalism with which my refinance was handled by you. Our closing went off like clockwork on Friday at the scheduled time by a closing officer who was both professional and entertaining. Thank you for your efforts to get this done so quickly! I will happily refer you to my friends and neighbors whenever the opportunity arises. Best, -- Karl Brad: Everything went smooth. I expected nothing less. The gentleman that walked us through all the paper work was terrific. He was knowledgeable, well dressed and professional. Jackie, although I don't know everything you do, I'm sure that you played a pivotal role. Thank you for your effort. Brad, it goes w/o saying. I appreciate your professionalism, dedication, follow up, advice and attention to detail. Nothing is more important than my financial security and, although you have many clients, you make me feel as though I'm your only client. It should be clear to everyone why you are successful. I wish you well and, if all goes well on my end, I'm sure we'll have the opportunity to do business again. Regards, -- Joel Brad, Thanks for your help and flexibility with my unique situation, it was great working with you. I will be sure to recommend you to anyone I know looking to purchase or refinance here in the area. Take care, -- Brian Brad, it was very nice working with you and thank you so much for the great service you had provided to us. -- Anthony

2 Brad, Thanks so much--you guys made the process pretty painless. -- Elizabeth and Larry Hey Brad...just wanted to thank-you for all of your help on the house. You were a great resource for us. I'll definitely be in touch in the future and won't hesitate to recommend you. Thanks Again, -- Paul and Andrea Brad, I should be buying you that magazine to thank you for all of your hard work on our behalf! I am sleeping better knowing that my financial situation is a bit more stable, especially during these troubled times. I am sure that I will enjoy the magazine because I am constantly looking to gain insight to improve my life. I have actually done "The Fire Walk" weekend with Tony Robbins and always enjoy his thoughts. Good luck to you and Adrian with the baby. I will be sure to pass your name on to others. -- Glenn Thank you for the YOU Magazine! We appreciate your thoughtfulness! It was such a pleasure working with you and your team. You guys made the refinancing process so easy and smooth. We'll definitely refer you to our friends and relatives. Take care, -- Van I would like to express my sincere thanks for helping me throughout the process. Being naive with process and other formalities involved in buying a property, you educated me a lot in understanding it. Also I really appreciate you for being so open-minded and sharing all the ideas and answering the questions in a timely manner. You are one such person that I have come across in my life who is very diligent and perfect in performing the given task. Thanks for replying to my s and returning phone calls promptly. Once again I do want to thank you personally for handling this mammoth task (at least for me) efficiently. Definitely, I will recommend you and your esteemed organization to my friends who are be in need of any kind of assistance. Thanks & Regards, -- Sathya Brad, Thank you very much for all your help with our refinance. It was a pleasure to work with you and Adrienne. Lisa and I were extremely impressed by how smoothly and seamlessly you moved everything forward, especially given the volume you are currently handling. Good luck keeping your head above water and good luck with the impending arrival of your second child. -- Andrew 2

3 Hi Brad, First of all, I want to thank you so much for making our latest refinance such an easy enjoyable experience! You are an amazing entrepreneur, Brad! I just can t say enough wonderful things about this whole experience, Brad. All the thanks go to you! All the best always, -- Lancia Brad, I've been meaning to and thank you for making our refinance go so smoothly. You and your team are so easy to work with and I don't have to worry if I'm getting a good deal, because I know you are working hard to get me the best rate you can. It's hard to believe we refinanced twice in 4 months, but we are very happy with our decision and if rates keep dropping maybe we'll see you again in 3 more months! Anyway, I don't hesitate to mention your name to family and friends who are looking to buy or refinance and will continue to do so. Thanks, -- Jon Brad, I just wanted to drop you a note of thanks for your help in the refinancing of my home. You re good at what you do. -- Dan Brad, Ivette and I want to thank you for another great refinance experience. I can t tell you how much your professionalism and timeliness meant to us. The best part of working with you is having the confidence to know that our biggest financial investment is in good hands. It really means a lot. We would also like you to pass our thanks along to Adrienne. She was very engaging and made the closing an enjoyable, not stressful, experience. We wish you both the best as you look forward to the birth of your second child. You are truly blessed. Best Wishes, - -- Rob and Ivette Thank you so much for how you came through at the last moment to help save this deal. The whole experience with finding this condo, the Nehemiah assistance program and lastly finding the best mortgage broker in the world are all undeniable blessings from above. You and your team are undeniably angels. Thank you so much for coming through in a pinch. -- Simona We closed on the house today!!! Thank you so much for all of your hard (and fast) work!! It was a pleasure doing business with you- and we will make sure to refer our friends to you... Thank you! -- Misha and Jennifer Brad's customer service, care, attention, and professionalism, is unprecedented. This was our 3rd loan and we keep coming back! -- Tim 3

4 It has been nice working with you again in refinancing my house this time. It was a great pleasure working with you. Your customer focus/help attitude is outstanding. You have been there for all the needs when I am buying my house and refinancing now. Even arranging settlement at my home. You are the BEST!!!! I mean it Sridhar Thank you for getting me such a great interest rate, and for all your help along the way. And, you came in within fifty bucks on your estimate on the cash I needed for settlement! Also thanks for the magazine - I'm sure I'll enjoy it! -- Joyce Brad, just wanted to thank you so much for such a well organized, professional, and painless settlement. I don't know why anyone would go anywhere else. I will definitely get the word out to everyone I know. You guys are a great team and we appreciate everything you did for us! Talk to ya soon. -- Deana As a first time homebuyer, I could not have asked for a better experience. Helpful & professional, I will recommend Brad to any of my friends or family looking for mortgage lenders. -- Robert I would never do business with anyone other than Brad Cohen. -- Margaret Brad, just wanted to say thank you. Everything went well at closing and I found the service from your office to be excellent. I appreciate everything you did to help me out. Thank you. -- John This was the 3rd home I have purchased and 5th time refinancing. By far, this was the best service, best deal. Brad Cohen was phenomenal. -- Marc Thanks Brad. Closing could not have gone smoother. Thank you for helping me to keep our home. My five kids don't understand this-but you have really made a great impact in their lives. From behind the scenes, you helped them continue their lives unworried and uninterrupted. They will now be able to stay in their same rooms, on their same street, with their same school, and their same friends. This is a tremendous gift. Thank you from all of us for your help -- Wendy 4

5 We will refer any friends looking for a mortgage. Thanks for great service! -- Bruce Brad is among the BEST loan officers I've worked with -- Raj Brad is the best! I recommend him to everyone. -- Doug We were very satisfied with Brad's service of our loan application/approval which went smoothly, including the settlement. He is very knowledgeable about the whole loan process and efficient in responding to our inquiries. -- Francis & Sylvia Brad Cohen is the best. We have worked with him many times and are never disappointed Frieda A totally satisfactory experience! -- Robert Brad is the best, we have used him a few times in the past and always comes through on time in meeting all expectations. -- Steve We have worked with Brad for the past several years and have always experienced superior service. Recently, this was exemplified with the purchase of our new home. We were selling our existing home and two days prior to the settlement date the buyers decided to pull out. We quickly had to find additional financing. Brad was great and provided a solution immediately. Without his efforts we would not be in our new home today. He made a difficult situation easy. Lastly, I would like to also mention and thank the support staff, specifically Lauren and Katie, for all their help and assistance. -- Richard Thank you for all your help with my refinance. Adrienne was awesome and very helpful. Thanks again for making this experience 150 times more pleasant than the last go round with another lender! I'll def keep you in mind for referrals in the future! -- Julie 5

6 Brad is our loan officer for life! -- Harriet Brad Cohen was fantastic. He made a really overwhelming process much easier to handle. --Cecelia and Yuval Brad was very personable, efficient, and offered additional information to answer questions I had in financially related subjects. Very, very pleased with my experience. -- Karen Mr. Cohen was great, along with the rest of the staff. Easiest, fastest, most trouble free experience. -- Scott Great job - Brad was very patient and explained everything so that even I could understand! -- Andrew Brad was the first loan officer who actually did EVERYTHING he said he would both before and AFTER closing. Thank you -- Russell and Randi It was a pleasure working with someone so brilliant. I feel so fortunate to have had Brad Cohen as my loan officer. Thank you! -- Deaderia Brad is ONE OF A KIND. My husband and I would have walked away from the sale of our dream home had Brad not stepped in to SAVE THE DAY! Thanks again Brad! -- Jeanne We were trying to refi our loan for over a month hitting road blocks all the way. I don't usually call ads from the newspaper, but I saw Brad's and I am glad I did. He got our loan done in record time and it was a better deal than we expected. From securing a competitive rate to his professionalism this was the best loan experience we have had. He returned calls promptly, did what he said and even got us connected to a great insurance company. Thanks Brad. -- Steve and Becky 6

7 Brad, Thank you so much for all of your help in the home-buying process. You made it all very easy for me and I greatly appreciate it! You are awesome at your job and I will definitely be sending my friends your way. Thank you for everything! -- Jennifer A good friend no words can describe the things he did to secure my purchasing for my home. Without any previous business with or even knowing him, he offered to pay from his own money a portion of my loan in order for me to have the house. He is truly a good and honest person, and it is very rare we find it these days. I would like to do business with him in the future and definitely I would recommend any of my friends who will be looking to borrow money to call Brad. -- Marcel We couldn't be more pleased with the speed, accuracy and ease of this refinance. Brad is a true professional who bends over backwards to do the job right. Thanks! -- John and Debra 7