Mr Delgado has the knowledge of what he is doing, but in communication wise is bad between their staff and the client (me) if they had more communication between them i think it will go smoother. On me asking questions thru email or text is bad for a first time buyer i had a lot of questions maybe non sense but i needed to know answers which i never got. But overall i think he is a good lender went out of hia way to do somethings at the end i was surprise. Maybe and only maybe ill refer some people to his office. Thanks