I am a licensed professional who actively educates himself to stay up to date in todays changing mortgage and real estate market.  I strongly appreciate and respect the power of word of mouth advertising.  The best marketing campaign any individual or company may have is their previous and active clients, their families, friends and co-workers sharing their experience with others.  My business is built on the simple understanding and professional commitment of having and maintaining Clients For Life.

This can only be achieved by continuous education and exceptional service. I pride myself in assisting clients  in determining what loan program is best suited for their needs.  There are plenty of options in todays' changing market, it is important that you know your options and choose the right loan program for you and your family.  Purchasing or Refinancing a home is a long commitment and there are thousands of dollars involved.  For this reason you need to make sure that your mortgage professional is knowledgeable and at all times has your best interest at hand. 

Thank you for taking the time to read this section.  Please feel free to email or call me if I can be of assistance.  

Once again, thank you for opportunity to be of assistance.

Leo Gavilan

Leonardo.Gavilan@wellsfargo.com

786-326-3109 Direct 

I am an expert in all mortgage products.  I have an in depth understanding and experience in all products available in todays market.  Products ranging from:

• FHA & VA
• Construction to perm loans
• Land Loans
• Rural Loans
• Foreign Nationals (80%)
• Home equity lines of credit (HELOC's)
• High Rise and Low Rise Condos
• 15 year / 30 year / 40 year
• Reverse Mortgages
• Fixed and Adjustable Rate
• Commercial and Residential
• Jumbo & Super Jumbo
• Stated Programs

I work very hard at educating myself in all aspects of the mortgage finance and real estate market.  I understand that a continuous education in todays changing market is the only way in which I can provide the most accurate and professional service for my clients.  I pride myself on a thorough understanding of mortgage finance products, exceptional service and the manner in which throughout the years I have been able to continue my profession with strictly referral business.   This is because I understand that a loan is not just a loan, it is a lifetime commitment with your client, his family, friends and co-workers. 

The best service, information and delivery.  Thank you!  You have assisted myself, my family and our future.  You are a true professional.  I will be referring you all my friends, family and coworkers.  Thank you so much.    Sincerely.  Victor and Luz

---------------------------------------------------------------------------------

Hope all is well with you & yours.  My wife and I just wanted to thank you for your help with our Finances.  Thanks to you we were able to make our dreams come true. 

     We've been able to purchase our second home in the Smoky Mountains.  How great it is to be able to say that.  Also recently we've welcomed our pride & Joy, a bouncing baby boy!  Thanks again for your help securing his future.

    When you are ready to got to the mountains les us know!  Enclosed is a birth Announcement & picture of the cabin. 

Thanks again, 

Jeff, Lorena & Baby

----------------------------------------------------------------------------------------------------------------------------------------------- 

It has been a little over a month since I moved into my new home.  I am extremely pleased with how things turned out.  I would have never expected to take up a co-worker's advice and inquire about some condos in Miami Lakes.  But I did inquire and a month later, became a homeowner for the first time at the tender age of 25.  I've painted my place and am currently in the process of getting furniture (hopefully courtesy of my parents).  I sense a great deal of pride each time I turn the key and enter my home.

The reason for this letter is to express my gratitude for the service received throughout my whole buying process.  This major moment in my life was made possible with the help of your knowledge and exceptional customer service.  I was very impressed from the day I first met you when you basically gave me a "Mortgages 101" course to the day of the closing when you were right next to me as I signed the most important documents in my life up to this point.  At times, I truly felt like I was your only customer.  Everything was addressed efficiently and with care.  Calls and emails were answered within hours, if not minutes.  There was not one time I felt uncomfortable throughout this process.  For this, I truly thank you.

The front of the card I sent you says Above and Beyond, you and your company definitely went Above and Beyond my expectations.  I loof forward to using your services for my future mortgages and will recommend you and your company to all of my family and friends.

Thank you,

Andy