Vlad was reccomended to me by a friend who found out I was in the market to purchase an investment home. After telling him my situation he immediately recommended a mortgage loan that i have not even heard about before and his recommendation was spot on as three weeks after our meeting we signed and were able to get the home for a fraction of the down payment amount we were expecting and that's because we used the bank statements to qualify for the loan and not our tax returns. Vlad was quick and very proactive with the entire process as we only had to speak three times throughout the process to prepare some letters of explanation. he knows his products and the requirements to qualify and negociate even the non traditional forms of financing he was very confident and comfortable with the process and did not waste any time. i will use his services again and recommend anyone in the market to reach out and see what vlad can do for them.