Foreword I remember my first phone call with Barry. It was about seven years ago. I was sitting at my daughter’s swim lesson, and he called me after I sent an inquiry about refinancing our mortgage. We were deeply in debt and needed a lot of help. Interest rates had dropped considerably, and our home had increased in value, but our credit was not stellar at the time. I was nervous and quite frankly, embarrassed because our situation was not great. Many of the reasons for the debt were out of our control but no matter how hard we tried, we couldn’t climb out of that dark pit ourselves. We needed help. Barry was genuinely kind and friendly. There wasn’t one ounce of judgement as I told our story. He listened and immediately offered me solutions. His solutions gave me hope! I remember leaving that swimming lesson excited to tell my husband that we could turn things around and we were going to have a plan to do it. Barry helped us refinance, pay off debt, and get rid of pesky mortgage insurance. He gave us step-by-step instructions and we followed that plan. In a few short months, we were debt free except for our mortgage payment! A massive burden was lifted from us, and we could begin to dream about the future and possibilities. We believed we could help our kids pay for college and felt confident about providing for their futures. Over the years, Barry helped us with another refinance, and we have referred friends to him who received the same kind of outstanding service. Recently, Barry worked with us for over a year as we built a home in a new city. We had wanted to move for a long time and a new job offer made this dream a possibility. Barry worked with us to secure an interest rate even when rates began to skyrocket, and our build was delayed repeatedly. He v
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