Living on a fixed income, we were starting to have trouble staying caught up on our mortgage and bills. We were really going to have to cut corners, but we got in contact with Rick Diaz, and he helped us refinance our house and get us a much better rate and interest, and we used the extra money to catch up and pay off a couple items. Now we sleep a lot easier knowing we are able to keep in budget without worrying about what to cut. It did take a little longer than we estimated to finish, but the end result was more than worth it. I would recommend this to anyone. Thank you!!!