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“Rob Weinberg, is a true professional, that truly cares about his customers, his integrity and professionalism is the epitome of a Mortgage Professional Coupled with his years of experience ensures his clients have a excellent closing!”

– Mike P. |

“I wanted to write this review with the sincerest pleasure to educate those buyers out there that don’t know how the process works or where to begin, especially when it comes to the lender they choose. I am a realtor who represented the buyer and had the great pleasure of working with Rob Weinberg on getting this deal from beginning to a closed sale. My buyers had not dealt with getting a mortgage for many years. The last time they had to deal with one was in the 1980s, so they were pretty lost and not in touch with the process. However, Rob was very knowledgable, reliable, responsive, and has been one of the best lenders I have had the pleasure of working with. The buyers are jumping with joy as we had many bumps along the way that at times we didn’t think this deal would close, especially with the purchase of a condo in the Miami area which can be difficult. I highly recommend Rob for any buyers that are looking to work with a lender that is competent and can get the deal done. I am looking forward to a working relationship with Rob and give him 10 stars out of 10! He really goes above and beyond.”

– Jessica W. |

“This was my first home purchase and the process was scary at first. You eased my mind by giving me wonderful service. You held my hand through the process and that was very helpful. The deal closed in record time. I am so happy that you were referred to me. I will definitely recommend you. Thank you! “

– Phyllis N. |

“During this process of obtaining a mortgage for a home, Rob was upfront and honest about everything. Rob put forth the needed effort to help get me the best possible mortgage. Rob again was upfront about the whole process and was very quick to respond to any questions or concerns that I had. I can honestly say his ability to get things done gave me peace of mind which is priceless. I cannot thank Rob enough for helping me accomplish my goal for obtaining a mortgage for a home. If you are looking for a great mortgage broker contact Rob at Benchmark Mortgage. He is a true professional; that will make the mortgage process smooth and easy.”

– ED D. |

“Working with Rob was absolutely seamless! We used a bank for our previous mortgage and felt extremely stressed and overwhelmed. Rob is extremely knowledgeable and efficient, so this current mortgage process was actually EASY! I highly recommend going with Rob if you are in the market for a mortgage. He is extremely easy to communicate with and gets things done in a timely (more like quickly!) fashion. Stress free is the way to be!”

– Kristina K.

“It was a pleasure working with Rob on re-financing my mortgage. He walked us through the process and explained all the concerns that we had. He was prompt……when he said he would call he did and was very knowledgeable. I would recommend him to anyone who needed his services.”

– Valarie B.

“I would like to take this opportunity to thank Rob for a job well done. I have been in the mortgage industry for over 30 years and being in the business, I am extremely choosy in who I do business with. I have worked with many individuals who do not understand the products and services they can offer or how to pair up the right product/program with the needs of the client.

Rob is very knowledgeable with all agency and government guidelines and he understood the need for us to refinance. Rob was able to offer us the best possible, affordable solution for our needs. It put us in a much better financial situation and accomplished what we set out to do.

I appreciated his responsiveness, his attention to detail and his amazing customer service. I would certainly recommend him to our family and friends.”

– Elaine and Mario O.

“After overextending ourselves on a large home improvement project, my husband and I were overwhelmed with bills and struggled to make ends meet each month. After refinancing, we have not only paid off all of our credit card bills, but feel more in control of our finances. Rob was extremely helpful during this transition, and I would recommend him to anyone in need of some financial guidance and help.”

– Heidi C.

“We were very pleased to work with Benchmark. They were courteous, straight forward, and provided a seamless process. If you are in need of financing, Benchmark is the place to go!”

– Darin C.

“I am single and I do not understand all the in’s and out’s of a mortgage plus I wanted to pay off some credit card debt that I had. Mr. Rob Weinberg and his firm helped me to accomplish just that.

He explained my options so that I was able to understand and feel comfortable with my decision. I had previously used his firm and I was very pleased on how things were handled. He took all the worries away and made me see there was light at the end of the tunnel. I was paying my bills off and it was a great feeling to know that I would be debt free in a short time. They put me back on track and lightened the load so to speak. My expectation of the firm was beyond what I could have imagined. They were courteous, knew their business and always available to answer any question I had. They made me feel that they were working for me and that I was and still am a very important person to them.

I would recommend them to anyone who was looking to refinance or looking for a loan. They are committed to you and are always there to help. They are very patient and super great people to work with. They definitely went above and beyond to make sure I got the best deal. Thanks again for all your help.”

– Irene R.

“Robert was honest and detailed throughout the process. He was very personable and I never had to track him down to find out the status of my loan. I would send anyone in need of financing his way without hesitation.”

– T. Smith

“Rob was very knowledgeable through the refinance process. He walked us through steps and gave us updates every few days which made us feel confident and comfortable. We would recommend Rob to our family and friends without a doubt.”

– Emily G.

“All I can say is I couldn’t have done it without you. I had been told prior that I didn’t have enough equity in my home to be able to pay off my sizable debt through refinancing. I’m so glad that I heard about you and the Mortgage Planning Services that are available for people like me. You held my hand the whole time, making sure I understood what had to be done, keeping me informed through phone calls, emails and texts, helped if problems came up. With your support through this, I was able to secure a refinance that paid off ALL my debt, saving me a lot of money on the forever increasing interest rates I was paying out monthly. You went far beyond my expectations with helping me out! I would definitely recommend you to anyone I come across that needs help with dealing with their finances. Thanks again Rob.”

– Susan P.

“At first I was skeptical in doing a refinance. I was worried that I was not going to qualify and that my previous credit issues would hold me back. Robert Weinberg was the only person who knew how to get it done. Phone calls and emails were always answered quickly and the entire thing took less than 30 days. Robert Weinberg gets the job done!!!”

– Ian W.

“I would like to thank you for your superior services during my refinance. From the moment I contacted you, everything moved quickly. Your phone calls and emails kept me up to date on the status of my loan, so I was never left wondering what was going on. You constantly asked if I understood each step in the process after explaining it. Everything was taken care of in a very timely manner, and at the convenience of my schedule. Having the option to do the closing at my own home in the evening was extremely convenient for me. I had been dreading the refinance process because I didn’t think I would have the time to deal with it, but I feel like I hardly had to do any work! This was an unexpectedly smooth process and I greatly appreciate how simply you made it for me. Thank you!”

– Jessie L.

“I was looking to lower my payment and get rid of my FHA mortgage insurance. I researched reviews of Benchmark and the company’s history and found all positives about them, so I decided to go ahead with refinancing. The entire experience was
stress-free! Seriously…Start to finish was less than a month (fast!). Highly recommend!!!”

– Julie D.

“I had an FHA loan with a large mortgage insurance payment on top of my monthly mortgage payment. I had it for many years and with two previous refinances from other companies I still could not get rid of it. Rob stated that he not only get rid of it, but get my mortgage payments down even further. I thought it was a “too good to be true” scenario, but I wanted to see if it was possible. I contacted some of his past customers, and each one had nothing but good things to say. So, I decided to proceed with Rob. I’m very glad I did. Rob came through with everything he proposed. My high mortgage insurance is gone, and my monthly mortgage payments are the lowest they’ve ever been in 16 years. Rob was quick to respond when I called with questions. If he was not available, I received a call back from him very promptly. His manner was always professional and helpful. I am by nature a very curious person, so I had many questions for him at each step of the process, and Rob was patient, informative, and very helpful with my questions. He also explained each step of the process in great detail, keeping me informed of what was going on and of our progress in the refinancing. Rob exceeded my expectations, and I recommend him fully and wholeheartedly. In fact, I’m planning a purchase of a second home within the next year, and I’ve already spoken to Rob about his help in this new mortgage. Rob, once again, my sincere gratitude for all you did and for your helpful and professional manner.”

– Kevin K.

“I had been wanting to payoff all of my debt that I have accumulated throughout the years. I finally realized I wasn’t getting anywhere and it was getting harder and harder to make the payments. That’s when a co-worker referred me to Robert Weinberg and Benchmark. After about a week of thinking about it, I decided to call him. It was the best decision I made. He kept me update to date on what was going on almost every day. Everything turned out great and now I am saving on my payments! I am so glad I went with Benchmark. I would definitely recommend Robert Weinberg to all of my friends.”

– A. Pasuqariello

“I’m a young professional who had a FHA loan and was looking to reduce payments by removing PMI. During my first call Rob did an excellent job of explaining the program and how it would affect my current mortgage. Their loan program fit my financial situation perfectly, and whenever I had a question it was answered promptly and accurately.

I wasn’t sure what to expect with a refinance, and in the past I didn’t feel comfortable dealing with my finances. Benchmark completely changed my perception of how easy a mortgage could be. They moved very quickly and always made me feel like they were helping rather than trying to sell me anything.

I would recommend Benchmark to everyone I know because of how professional, courteous, and knowledgeable they are.

Thank you,”

– Skyler F.

“Both my wife & I recently retired. We were looking for a way to improve our finances and get some payment relief. Our financial advisor recommended you to us and said you may be able to help us. Our property taxes were increasing causing our monthly mortgage payments to go up. You exceeded our expectations by getting all of the paperwork and approval done in a very efficient manner. The support and guidance through the process was excellent, and we felt comfortable all the way. We felt you went above and beyond keeping us updated on every phase of the process. Always calling to keep us informed. We certainly recommend you to anyone that could use your help with lowering their payment and/or interest charges. Thank you!”

– Jim L.

“I had a very pleasant experience with Mr. Weinberg! He was very honest and was very quick to respond to my questions by phone or email! He was very professional and guided me every step of the way.
I would definitely recommend him to my family and friends! He is a very trustworthy and reliable individual.”

– Laurie G.

“I had just started a new job when I met Robert Weinberg. He helped me get my credit scores up so I could qualify for a new loan. He was very helpful and patient, courteous and professional. I was very happy with the outcome. In the end I was able to pay off all of my debt and secure a new mortgage with a much lower payment. Thank you!”

– Marcel T.

“I used to believe that refinancing a home was a stressful process. My recent experience with Rob Weinberg was exactly the opposite! Rob helped ease this process tremendously by breaking it down step by step. He is the tangible helping hand the entire time, He answers the phone returns e-mails, listens thoughtfully and works on your behalf. Rob will advise you and acquire the best loan option for you. It’s not a one size fit all firm, where if you don’t fit into the cookie cutter financial profile you get denied and rejected. Rob does everything in his power to make it work. I also liked that he got me pre-approved up front due to my complicated income. Rob remains patient and articulates very carefully through every detail of the process. He really brings a comfort level to refinancing that I have never experienced before. My refinancing was done in a timely manner and I can now take a deep sigh of relief, a huge financial burden has been removed off my shoulders as my interest rate is now lowered and all of my loans are paid off. I will not hesitate to use Rob Weinberg again will recommend him to others for any home financing needs.”

– Michelle M.

“I have known Rob Weinberg for over 10 years. He stayed in contact with me for an entire decade while I waited for the right time to buy a home. Rob would call and check on me to see how I was doing, and to check on my status, in terms of making sure my credit was shaping up, and to make sure whenever I was ready to buy a home, that I would be in shape to go forward. I can honestly state the professionalism that Rob displayed is truly exceptional. Rob takes great pride in servicing and supporting me. From the inception of the transaction through and including the closing, the service is unique. He listened to my needs as a borrower and he carefully matched the right loan product to accomplish the desired objectives. Rob communicates throughout this process to guarantee that there are no surprises. Most importantly, Rob carefully monitors each and every detail to ensure that everything is delivered in a timely and accurate fashion. The result is a smooth closing every time. I can personally attest to the fact that the closing was a truly pleasant experience with no surprises. With every step, I was fully informed. It is a pleasure to work with such a professional, It was awesome!! Without reservation, for any mortgage financing needs, Rob Weinberg is your guy. I will highly recommend him and his company to everyone I come in contact with.”

– Barry B.

“Good afternoon, I would like to thank Robert because if it wasn’t for his amazing job, I wouldn’t be able to get my new condo.
He worked hard from the very beginning of the process. He was available to answer all the questions that I had. This is my first time buying a property, and my realtor recommend Rob. He told me he is very professional in what he is doing and he was right . My expectations were exceeded big time; I am super happy in my new place.
Also he gave great support to me all the time during the process. I went out of the country and he continued following up on everything while I was away.
I can’t express how happy I am feeling in my new home, I will recommend a Robert 100%. I think without his great job I wouldn’t be able to have my home.”

Best Regards,

– M. Boyar

I purchased my home in my mid-20s. Doing so, I had to fight my way just to simply be approved putting 20% down during the devastation of the housing crisis: the spring of 2008. Years later, while looking to refinance, I found Benchmark and Rob Weinberg. They showed me the way that a mortgage process SHOULD be; prompt, easy, affordable, and professional. I appreciate the work done by Rob on my refinance and recommend him and Benchmark to all my friends, family, and anyone else who needs a trusted lender.

– Leo D.

“I was looking to refinance found Rob’s information on the internet as a trusted mortgage lender. After calling, I was impressed with his professionalism and attentiveness. Rob listened, and learned what I needed not just wanted.

What a switch. Rob came across as a trusted advisor as opposed to a sales person looking to finish his quota. At every step, I got clear directions on what to do.

Rob’s follow through and guidance was supportive and not pushy. The program was competitive,  met my needs, and, moreover, gave me what I wanted.

I felt as though Rob acted more like a neighbor down the street – an advocate helping  me through the process  – than simply as a salesman making a deal.”

– Mark H.

“I just wanted to take a moment to personally thank you for helping me refinance my home! As a divorced, single mom and business owner, I think I stood a one in 100 chance of being able to qualify for a refinance and somehow it became possible! I was able to qualify for an FHA loan an interest rate of over 2 points lower, saving tons in the long run, so thank you again. You were much better than my divorce attorney, covering every detail in question, no matter how many times I asked, and very responsive to my emails, you were great!!  My expectations were definitely exceeded with the attention to detail, diligence, and persistence on my behalf.  I would highly recommend your company to folks thinking about refinancing. You made this a very smooth process.  It was nice to have something turn out great! Thanks again, Laura”

– Laura R.

“Rob, You have been very helpfully to me in purchasing my first home. I believe your service to me was exceptional. Your timeliness in meeting deadlines was absolutely amazing; you were always on top of every document that needed attention. I will always keep you in mind as far as new referrals are concerned. I will confidently recommend you to anybody I know who is need of trustworthy financing advice & expertise. Thank you so much, Ed”

– Ed A.

“I appreciate all that you did in helping me refinance my home recently. You streamlined the entire process and encouraged me all the way throughout. I was apprehensive at first about moving forward but your process was very simple and straightforward. Thank you again.”

– Regina K.

“Dear Rob : I would like to personally thank you for all your help with closing of my first home. The process went so smoothly and you were so helpful and readily available to answer all my questions, which were a lot due to this being my first time purchasing a home. I would recommend your services to anyone who needs a qualified and devoted mortgage finance expert. Your work is outstanding …. Again thanks for the help and please keep in touch … Thanks again.”

– Gina V.

“I’m sending to you this e-mail because I want to thank you again for your professional service. I came the USA 28 years ago, I bought a few houses and worked with other mortgage agents. Now it is to clear to me the difference between an amateur and a professional. Five years ago we met you when we refinanced our home in Trumbull. We were very happy with you. Whenever I had questions, I never got this quick, clean, personalized, and very understandable information except from you.

I’m not an expert with this paperwork but I understood everything clearly. You give me a great program, you kept your word, the closing time was exactly what you promised, you answered my telephone calls, and you were always there when I needed help. I would like just everybody to know, you are very ethical, very kind, and you take lot of extra time to get your job done. Also, you team is filled with exceptional people, who also take time to get the job done. Thank you Donna & David too.

I told my all friends, if anybody wants mortgage, refinance, or any loan, I can recommend a very professional agent – Rob Weinberg -and his mortgage office. Thank you very much again Rob, I always will use your service, when I need it.”

– Erika K.

“I want to thank you for the professional way in which you handled the mortgage financing for my recent home purchase. I have purchased homes in the past and realize how much more efficient and streamlined your process was which made my life so much easier and stress free during the process. And to think this was a FHA loan on a “short sale” . I would recommend you to anyone I know who may be in the market to buy a home. To any home buyers out there wondering if Robert Weinberg’s offering sounds too good to be true, all I can say is Rob does everything he commits to and more. Thank you again for your professional manner and guidance.”

– Sarah F.

“Por medio de la presente, hago constar que Benchmark Mortgage, es una financiera, con alto grado de responsabilidad, confiabilidad, y liderazgo de primer nivel, cuenta con profesionales que dan al cliente la mejor alternativa, en el mercado, Teniendo un trato tan cercano al cliente, lo cual facilita el proceso del prestamo. Por lo tanta recomiendo ampliamente sus servicios, los cuales utilice para la adquisicion de mi primera casa. Se extiende la presente, para los fines a que a ellos convenga.

I will reccommend Benchmark Mortgage as a financial company with a high degree of responsibility, confidence, and top-level leadership. Robert & his team are completely professional and provide the client the best mortgage options in the first time homebuyer market. They gave excellent service throughout the entire process and completed everything very quickly. Therefore I give them the highest reccommendation pertaining to the purchase of my first home.

– Iris O.

“Rob, Working with you on my mortgage transaction was a complete joy as you gave me a piece of mind knowing that such a knowledgeable and trustworthy person was taking care of our business needs. It was evident from the start that you were someone who cared about the customer’s needs and how you could best assist in helping managing their financial situations to obtain their goals. For starters, you were more interested in building a long term working relationship with Michelle and I instead of a one time short term relationship, even if that meant you foregoing a potential transaction when you knew it might not be the best situation for our needs. I always felt like I was someone who you cared about as a person, and not as someone who was just a number or a typically business transaction where a quick/easy dollar could be made. Your forward thinking and proactive approach was refreshing; at every junctions of the process you were always a step or two steps ahead from the standpoint of knowing what data would be required from the lending institutions and what measures Michelle and I need to perform to ensure our credit scores would not be a potential setback. Your level or expertise and service well exceeded the expectations of Michelle and I, as whenever the need arrives for us to make another transaction we will be utilizing your service as well as recommending your service to friends and family. Thanks for the professional manner in which you assisted Michelle and I and many blessings in the future.

– Ronnie T.

“It has been a pleasure working with Robert & his team. In this day in our economy , it is a challenge to find some one that works for your best interest. I found Robert to be that person, He won’t work with you unless you are comfortable with him. He also lays everything out on the table from A to Z, so you know up front what you are getting into. When you decide to take that leap, he is there to guide u all the way through. I would recommend Robert Weinberg to anyone who wants to make a financial change in their life.

– Andrea O.

“I am a traveling construction worker and lead a life of motel to motel. My life was changing and I wanted to plant some roots. I contacted a family member who was aware of my lifestyle and reccomended his friend who handled home finance. I talked with Robert and gave him an idea of what I was looking for and informed him of my extensive travel and the problems that may arise with being away from home (obtaining paperwork etc.) Robert worked with me and made the purchase as easy as possible, even though the federal loan required extensive documentation. Rob was helpful all through the closing, taking a personal as well as a professional interest in the purchase of my home. I would highly recommend Robert to all.

– Steven S.

“Rob I just wanted to take a minute and thank you for the simple and streamlined refinance process you helped me with. Now I have no more credit card debt and my finances are back in order. You can be sure I will be letting everyone know about the reliable mortgage & debt planning services you provide. Thank you again!

– Tim P.

“Just wanted to let you know how much Frank and I appreciate the service that you provided us recently as we refinanced our mortgage. We are young couple with two children, and very concerned about our financial future, with the thought of our children going to college and future rental investments in mind, it became very important to us to save as much money as possible in every area of our finances. We are grateful to have you as our mortgage consultant because you provide great customer service. Our questions have always been answered before we ask, due to the fact that you are so thorough in explaining the product and the process. You have truly exceeded our expectations, by keeping in touch and updating us almost daily as we went through the mortgage process. Rob, Thank you for your assistance in meeting our financial goals! I will recommend your services to family and friends, I know that they will receive the same high level of customer service that I have received.

– Frank & Cynthia D.

“It is without hesitation that I strongly recommend Rob Weinberg as a mortgage professional. He truly exceeded my expectation with his level personal care for me as a mortgage client. He is an excellent communicator and very pleasant to work with. More importantly, he is very knowledgeable, competent and handles all the details, while keeping the client informed each step of the way. You will know exactly whether the transaction will work and all the details before you go to closing and once you get to closing, everything is on point as he projects. He goes the extra mile following up with the client to make sure all documents and requirements on their behalf are taken care of without harassing you. I look forward to a long term relationship with Rob and suggest that anyone seeking mortgage or financial services definitely contact him, as I think you will be very pleasantly surprised.

– Claudette F.

“Aloha Rob: I am doing quite well. It is a big relief to know that the mortgage is taken care of and that I can sleep at night. Believe it or not, I am sleeping better. Not having to worry about being turned down again took its toll on me. I hadn’t realized just how much it had affected my health. The past two years have been a nightmare that I am glad to see pass away. Your help was very important in making that happen. It is evident that you care about your clients and that is so important in today’s world. Many people live too fast and do not stop to savor the moment of touching another person in a positive manner.

– Nancy S.

“I would like to thank you for helping me to refinance my house. Now, I am able to invest in other properties. I was very hesitant to move forward with a home loan. I had heard so many horror stories on mortgage fraud. I am very happy that you told me the truth from the beggining and that everything that you said came true; the amount of money the period of time, payment, rate, everything. Thank You Again!

– Jose L.

“Can’t thank you enough for the professional and friendly manner in which you handled the refinancing of my home. Before contacting you, I was extremely nervous about the “process” of refinancing as it is known to be difficult, long and extremely stressful. You took the stress and bad reputation out of the process, and made it a pleasant experience. Thank you for putting me, your customer first, and staying in constant touch with me in regards to any updates and information needed, and treating me with “great” customer service, something that most companies lack. I look forward to recommending you to my friends should they need your assistance, and if there are any personal needs of my own in the future, you can be sure I will call you. Thanks for everything!

– Marjorie A.

“I contacted Rob Weinberg to refinance my home after the high rate on two mortgages left our finances in shambles at the end of each month. Initially my credit score was not high enough to qualify for the program we wanted, but Rob went over several strategies and techniques to help us improve. Within a month my score went up 36 points! Rob is someone who cares about people and I would recommend him to all my family and friends.

– Wade & Annette S.

“Back in June ’05, I received a phone call from Rob Weinberg. Very informed, friendly and relaxed, Rob and I must have talked atleast a half hour. Rob was so informative, credit wise to refinancing, I was made to feel comfortable and trusting of Rob. My husband and I would not be able to refinance until Feb. ’06, but I really wanted to go with Rob, so I stored his number in my cell phone contacts. Upon numerable phone calls, soliciting mortgage refi’s, I still would tell them I was all set, because I knew I wanted to go with Rob, he always just made good sense. Then come December ’05, quickly approaching our adjustable rate, we received a solicitation for a refi with a mortgage company that my husband started to converse with. They offered better rates!! Better at least than what Rob offered…..that was the beginning of the end. We paid for an appraisal. We were told by this other “banker” to NOT pay our Dec. mtg, he kept promising us to close, and then he would disappear for days, not returning phone calls, and the the whole string along would go on again, and then he’d disappear again!! All through out the whole ordeal, Rob stood by close. I was totally stressing out. I would call Rob, he would say that there’s no way this “banker” can follow through with the rate, Rob did always encourage for us to shop around. Well, Dec. came and went. We did pay Dec. before the month end. We went round and round with that “banker” and finally fired him and got Rob back on the job. We lost a lot of time, it was very stressful, we lost the first appraisal, and worst of all, we almost lost Rob!! Within the first two weeks of January 2006, our appraisal was done, and we closed in our own home. Thank You Rob Weinberg for not only being a very supportive friend, but for being so knowledgeable and loving your career!!

– Chris & Stacey M.

“Just a short note to let someone else know of my satisfied experience with Rob Weinberg, Mortgage Professional. Rob is true to his name Professional. From the very first time we spoke I felt very secure. Everything we spoke about regarding my obtaining a mortgage detail for detail turned out right down to the dollar amount. I found Rob to be very knowledgeable, truthful and all times pleasant and to the point. He returned telephone calls promptly. I knew I was in good hands, I asked a lot of questions and his personality never changed. If I ever need to refinance again, I would call Rob and I’m telling others to do the same.

– Carolyn C.

“I had a great experience with this mortgage company. Rob Weinberg is a very professional business man. I did not feel pressured or uneasy at any time while doing business with him. The information was explained thoroughly and I had a great success. Thanks Rob!!!! Just as the site says Rob is a “truthful mortgage guy!” I definitely look forward to doing business again and recommendations are always given.

– Mae D.

“Rob made me comfortable going through the mortgage process. He was able to get me a great program and now my home will be paid off in only 10 years! The process was simple and efficient. For any future mortgage needs, I will be calling Rob and referring him to all my friends! Thank you Rob and Benchmark!

– Charlotte L.


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