Dino has always been great about offering us refi opportunities in good markets; however this time we came to Dino when one of our children had an immediate medical need at a very high cost. Our only hope to provide this for our child was to access some of the equity in our home. Dino not only helped us accomplish this, but he patiently & diligently guided us through the tasks needed to improve our FICO by more than 25pts & got us the best rate possible. As a result, we were able to complete our refi without much change to our mortgage & were able to provide the much needed care for our child. LOVE CITYWIDE!