Bernard and his staff are very knowledgeable.Bernard played the numbers to help us make the most out of our budget Chynna made the most with rhe lenders and fought for us to get the best deal up to the last day before closing even getting us a lower rate at the end Shovonna,Chynna and Bernard are in constant communication with each other constantly working on our file to help us get through the process with little to no hiccups and the hiccups we did encounter was not their fault but dealt with it for us so we can have everything ready for closing. All in all I would recommend bgi finacial for anyone trying to purchase or get help tapping into your home equity thank you so much Bernard,Chynna and Shovonna for all your hard work.