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TESTIMONIALS

Dear Dovid,

I was just telling Lou yesterday that it has been a year and a half since he started helping us find a home. Of all the houses we saw, of course this was the nicest and didn't need much work into it. Once we clean it up and move our stuff in, we can finally relax and call it our home and therefore, we will be very happy! I've been very pleased with your level of service ; you satisfied us all the way from beginning to end.

I wouldn't hesitate to recommend you to my family and friends, I truly believe you are one of the most honest people in the business and that's hard to find in this day and age. I give you all the credit for doing the best you could for us.

David and Barbara
September 05, 2007

Dear Dovid:

Sorry it took so long to write, but with the new babies and the move, it's been just a little hectic!! I wanted to thank you (and Traci, of course) for ALL your help....from suggesting I look into the house in the first place, to "hosting" the closing. Your warmth, caring, and professionalism were very much appreciated. I especially appreciated your suggestions and support in navigating a somewhat complicated process on my own. Thanks, also, for your very thoughtful gift which will I look forward to using in my new home. May the New Year bring you and your family only good health and much nachas. K'siva v'chasima tova.

Best wishes,
YR
April 20, 2007

Dear Dovid,

I would like to thank you personally for the opportunity for professional and personal development that you and Gefen Financial have provided me with during my employment. When I was employed at Gefen as the Administrative Assistant I honestly learned so much about myself, the financial industry, and respect for others.

Thank you so much for being such a kind and patient mentor and employer. I will never forget my time there and I am so grateful for the opportunity to work with you. If I had not received the opportunity to return to school sooner than I expected to further my education, I would have indefinitely stayed at Gefen.

Sincerely,
Jency Itty
February 6, 2007

Dear Dovid:

It is with sincere appreciation that I write this letter. As you know, I was extremely reluctant to enter into a financial agreement for the purchase of a home due to my own insecurities and fear. Thankfully, you were there to help guide me and explain the intricacies of the mortgage process. You repeatedly answered my questions and recalculated the figures each and every time I called with a different financial scenario. Thank you for your patience, humor and expertise.

Sincerely yours,
Randy S.
Jan. 14, 2007

Dear Mr. Winiarz,

I would like to thank you for the wonderful service that you provided through your company Gefen Financial. Your staff was very helpful, courteous and a pleasure to deal with. Any questions that I had were readily and clearly explained to me. Most of all, I used Gefen Financial because I have full trust and confidence in you, and I know that you have my best interests in mind and you are not just trying to sell me something! I would certainly recommend you to anyone who needs financial services.

Thank You Very Much!
Yitzchok Meir Rothstein
To Dovid, Judy and the Staff of Gefen Financial:

My husband and I would like to express our sincere gratitude for all of your help with our mortgage and closing.

Throughout the entire application process, your staff worked very closely with us making certain all of our documentation and information was in order, and provided ongoing communication between all of the parties involved with our deal, including the realtor, appraiser, the seller's attorneys and our attorneys. Each step was clearly explained and promptly completed. Through email fax and telephone, we were able to finalize all of the details and schedule the closing of ours within a few weeks.

We also feel you have given us the possible terms for our mortgage. The speed, efficiency and total commitment to customer satisfaction that you have displayed is truly exceptional and deserving of recognition. As first-time homeowners we feel very fortunate to have been referred to you, and certainly would recommend your services to other.

With sincere appreciation
Cara and Howard Finkel
To: Dovid Winiarz

You and your staff were with us from the beginning to the end. You reinforced us when our hopes and spirits faltered. Perhaps you remember, Dovid that I walked out of the room on the day of closing. You brought me back to reality. Our lawyer did not protect us, and we lost a lot of money. But, with your guidance we did not make hasty decisions. Our family deeply appreciates your integrity, wisdom and sound advice. We hold your ethical values as an anchor in a disorderly world.

Wishing you good luck in your life and with your work.

Respectfully,
Shmuel & Chavi
Dear Dovid,

We just wanted to take this opportunity to once again thank you for all that you have done for us to obtain our loans for the purchase of our new home and, of course, for making it an easy experience for us. I have already forwarded your business cards to our friends and relatives and have recommended you very highly. All the best and Happy Holidays.

Sincerely,
Charlie & Nicky
Dear Dovid & the Gefen Staff,

Everyone told me the horrible stories they had when buying their homes, going through their closing and the lousy mortgage companies they used. I can honestly say I had the best experience with all of the above. Thanks to Gefen. You were wonderful even though I asked lots of annoying questions and had the patience to deal with me. I look forward to doing business with you again. Thanks again for everything and making my 1st time buying experience so pleasant.

Thank you!
Thank you!
Thank you!
Thank you,
Karen & Carl
Dear Dovid,

It really has been an extreme pleasure dealing with you in refinancing our mortgage with you. You were always there for us. No matter what our needs were and what problems we may have encountered, you were always helpful, courteous and got to the root of the problem and solved it. More importantly, we were always able to reach out to you at any time. If you were not in the office or not available, you always got back to us on a prompt basis.

In today's business world, it is really so hard to find someone who will treat their customers as they should be. You personify the true meaning of Customer Service. We highly recommend you and your company to anyone needing any sort of mortgage services that you provide.

We always felt that we were your friends and not your clients. Thanking you for your friendliness, expertise and caring all the time. You are a true professional.

Very truly your,
The Sterns
Hi Dovid,

Perry and I wanted to wish you and your family a very Happy Turkey day.

We also wanted to thank you for getting us the mortgage to purchase our home. You were most helpful, and worked in an expeditious manner as well as being thorough in all that involved with applying for the mortgage. You were very responsive to our questions and called us back quickly whenever we had questions and followed up where needed. Buying a home can be nerve racking, but having you as our mortgage broker, you made it to be an easy transaction. Thanks again for the work you have done and I would surely recommend your services for anyone who is looking for a mortgage.

Best wishes,
Robyn
Judy,

Words cannot express my thanks to you for all you did for assisting me on the refinance and I wanted to personally Thank You from the bottom of my heart.

You went over and above what anyone should do and I know that sometimes that I was irritated but I know you understand why.

Once again..thanks from the bottom of my heart - it was truly appreciated!!!!!

I will talk with you upon my return from the Bahamas.

Karon
Dear Dovid and the staff of Gefen Financial,

I just wanted to thank you for the wonderful job you did with my mortgage.

Everything went as smooth as can be and there were absolutely no problems along the way. The speed was exceptional.

I highly recommended your services to all my family and friends.

Thank you very much.

Elchanan
Dear Dovid,

Thank you so much for your follow up call. It's been a pleasure working with you as you helped us get an appropriate mortgage for our family. Your caring attitude and great diligence inspired confidence in the success of this complicated process. YOU ARE BRILLIANT! Your knowledge and insights provided us with the opportunity to obtain a viable mortgage to meet our needs. Thank you for all you've done. We look forward to working with you again.

The G Family


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