Meneer Ricardo was very accessible and informative at every step in making our home purchase. At times, have to admit that we did communicate with him outside of office hours, and yet he was reachable. He was prompt in communications also with the Mortgage bank and we feel he posseses appropriate knowledge to guide the clients about all of their questions about a home mortgage, but also more so about property purchase decision in general. He has excellent financial acumen and can provide a good advice in making financially viable decisions.