It was a long tedious, frustrating journey and my agent Brian Richard should receive a noble peace prize for dealing with it, me, and the twists and turns of a combined no down Cal Vet/VA loan process. Not an easy feat to accomplish. Honorable mention to go to Jasmine Richard handling, processing, and directing the mounds of fax, forms, and documents in the precision of a seasoned traffic cop in a gridlocked intersection. My agent, Brian covered all my transactions with a variety of options, contingents upon, and clauses to protect my interests in all negotiations He searched for the right properties negotiated arduously for the best deal and price he could possibly obtain. He went above and beyond assisting me with government forms and processes not really obligated to in his job description. An experienced professional in every aspect but also a caring individual with the ability to calm a situation, resolve an issue and handle everything in the manner of a family member/friend. Your team has won the Super Bowl of Realty in my opinion and I can refer your agency without reservation to anyone in need of realty services with a walk on water testimonial. My sincere thanks as well as apologies for some of the stress blow outs during the long battle. Thank you Sincerely for Our Ownership of a home.