I closed escrow on a condo in Carlsbad two weeks ago. Elvin at Ranch and Coast was extremely helpful throughout the process. I was able to secure a competitive rate for my 30-year fixed rate mortgage and paid no closing costs. Equally important, he provided me with good, objective advice and promptly returned all of my email inquiries and calls. I’m very glad I worked with Elvin to help me successful complete my first home purchase.