He does loans. very personable. helped me save quite a bit of money. I would certainly recommend his services if you need any type of credit.. he works for wells fargo I actually called and checked his credentials.. He was able to get me refinanced @ 15% cheaper then what I was paying... no complaints... his name is Spencer he's a doll.. so nice very professional... I wanted to buy him lunch afterward.. Thanks Spencer I would definetely call on my next loan!!!!