In 1998 at the age of 24 I needed all the help I could get when trying to buy my first house fortunately I was put in contact with Ethical Homeloans. They took me step by step through the required processes explaining all my options in such a way that not only could understand them but also allowing me to proceed with confidence. Almost 11 years 3 houses and numerous refinances later I consider Paul a close friend and a consummate professional. To the point that over the years I have recommended him to family, friends and work colleagues without hesitation knowing that they will receive the same quality of service I have become accustomed to. I cannot recommend his services highly enough and his track record speaks for itself.