Richard here at Horton does an awesome job. Best rates in town, and he really takes the time to go over the paperwork you to make sure everything is clear. He’s up front about his fees and what he stands to make from you. Not pushy at all. After haggling with a major bank about this for years, I’m so glad that I found The Horton Financial Group. He got me about a point less no-cost loan! Re-fi’ing has never been this easy or cheap. Thanks, Richard.