Ramesh and Radha Raman, principals, loan agents and real estate agents, provide excellent service. We bought our rental property in Northridge through them and consolidated and refinanced our mortgage loan through them in July 2019 . Once we called them and discussed rates and locked the rate(the best rate with no cost) , we did not have to worry or do anything. The process was seamless and the refi closed in less than three weeks. Excellent job !thank you and we will certainly refer to our friends and family in the future!