I am very dependable, honest and punctual. I am available 24/7. Being in a retail business since 1982, I provide a very pleasant and professional service. As a part time realtor since 1997, I have knowledge of pretty much all kind of loan documents. Let it be first mortgage, refinancing, line of credit or loan modifications. I always make sure all my clients are very comfortable with me to welcome me in their homes or at my place of business. Clients can visit my place of business from 10:00am to 10:00pm 7 days a week; I do speak 4 different languages. (English, Hindi, Punjabi, and Urdu) I can read and write English, Hindi. And Punjabi) No job is too big for me.