To whom it may concern,<br/>
<br/>
We've gone through Dan Crittenden for a first mortgage, and two mortgage refinances over the past 11 years. We found him to be highly skilled, very well informed and customer oriented. He put our interests first.<br/>
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On the latest re-fi in February, 2008, Dan had locked in a rate at 5.675%, but kept his eye on the roller coaster rates for the next few days just the same. Just like a good stock broker, he was able to nail a 5.25% rate for us when it was only available for a few short hours before the roller coaster went back up. His actions saved us thousands of dollars, not to mention extra money in our pockets every month due to a lower monthly payment.<br/>
<br/>
I have recommended Dan to friends, family, peers, associates and anyone I felt needed a break in life. My only regret is my best friend didn't heed my advice and now finds himself still on his original mortgage and being hounded by calls from various companies trying whatever they can do to get his money, even though the rates have now gone above his current mortgage. Of course, as any good friend would do, I use that to give him a bad time whenever the opportunity arises.<br/>
<br/>
Sincerely,<br/>
<br/>
Peter & Janet LaBounty<br/>
March 21, 2008