Hi, this is Bruno Skopinich. I have been active in mortgage industry for over 27 years. During that period, I been involved in the management and ownership of two mortgage companies. Currently I am employed as loan consultant and trainer with Investment Resources Inc. We are located in Southern Oregon. Investment Resources Inc. is multi-dimensional company offering investment, insurance, tax service and mortgage loans. Because of my vast experience in this industry I have secured the best wholesale funding sources, with the lowest rates and fees for our clients.