Basically, my wife and I were in a fairly desperate situation when I approached Andy. Our finances were a mess and we needed a new second mortgage to consolidate our debts. Frankly, I didn’t think it could be done but Andy kept hope and was able to arrange a second mortgage at a good interest rate and with the hope that the future will be even brighter. While it was a difficult process, Andy kept the faith and did a great job. My thanks to Andy.Michael NixonOttawa, Ontario