“I can’t speak highly enough of Richard. He’s handled two refinances for me and both went smoothly. He knows his stuff, kept me informed and made it virtually painless. Plus, his timing is impeccable. I would recommend him in a heartbeat!”

“My wife and I have used Richard on a number of real estate transactions over the years and our experience has always excellent. He is a professional and delivers. Highly recommended no matter how complicated your transaction is.”

“Richard recently handled my mortgage refinance. His expertise is evident as he was able to make this process easy and the process itself took a fairly short amount of time because of him. We were happy with the options he provided and his consultative approach is top notch. Any questions I had he explained thoroughly, and he always kept me up to date on the loan process. I would highly recommend Richard for your financial service needs.”

“I would highly recommend Richard to anyone looking to finance (or re-finance) their home. We have conducted FOUR (purchased three homes and refinanced one) of these “transactions” with Richard and I can’t sing his praises loud enough. Richard is thorough, patient and extremely knowledgeable of the market and all things related to financing a home. My husband and I called him many times to ask lots of questions, and he always had the time and patience to explain and help us sort out what was going on. Buying a home is a very stressful thing and Richard made us feel like we were well taken care of! I would (and do) highly recommend him to others! Thank you Richard and Keystone Financial!”

“Richard Wolff handled our three-buyer loan processing without a hitch.
He anticipated every potential problem, dealt with each before it became a problem, and talked us through every issue, taking the time to make sure we understood. He puts loan financing in plain English so that even English majors understand the issues. He even attended the document signing to explain to us each document. He’s a consummate pro, and we highly recommend him.”

“Richard was recommended to us by a close friend. We decided to purchase our first home and did not know where to start. Richard made the whole process easy for us and stayed within our budget. After getting all the necessary documents together and pre-approved we were ready to go shopping and when it came time to close the deal it went through without a hitch. Richard also facilitated our refinance to reduce our PMI a few short months later after we purchased our home. My wife and I are very happy we worked with Richard and will continue work with him. Thanks Richard you are the best!”

“I recently purchased my first home and Richard was awesome. He helped me through the quagmire of paperwork and always took time out to take my calls and answer my questions, even if they were the same over and over he wanted to make sure I understood what I was signing. I would highly recommend Richard, he is knowledgeable and customer focused, he took away the complexities and made me feel comfortable and informed throughout the entire process. Thank you Richard!”

“Richard was a tremendous resource during our first home purchase, helping us effectively navigate the many financing choices available. Thank you!”

“I have been a realtor with Sea Coast Exclusive Properties for 15 years now. I have worked with many loan brokers-good and bad. I have worked with Richard with many clients and he is always there, day or night, weekdays or weekends to answer our questions and get the job done. This is very important because as all Realtors know, weekends and evenings are some of our busiest times. I trust Richard and his judgment and honesty so much that I send him not only to my clients, but also my family members and close friends.”

“Richard Wolff and company are dedicated professionals that know the property buying intricacies from the inside out. He is very detail oriented and cares for each of his clients individually. We really enjoyed working with Richard!”

“Richard is a true professional and great human being. We have worked with him for years and most recently on a refinance. Market conditions made it difficult to have the qualifying ratios needed to complete the deal. We watched the markets together and several time he advised us to wait. Last month everything was right and we locked in a low rate and received a check for credits! Richard knows this business, watches the financial markets like a hawk and is a great person to have on our investment team.”

“I highly recommend Richard and his team at Keystone Financial. He truly takes the time to listen to your needs, assess, and form the best possible solution for your lending needs.”

“Richard came with a sterling recommendation from a friend in the mortgage loan business. Smart, efficient, knowledgeable, he truly lives up to his reputation. He handled my refinancing with great results — the lowest interest on the market, no paperwork to fill out, no surprises and virtually no effort on my part. Richard took care of everything. Compared to my first mortgage loan, this was a blissful walk in the park. Thanks, Richard”

“Richard is the type of trusted adviser you want to have. Richard was recommended by friends he was worked with for 10 years assisting them with 8 re-finances. Even when I wasn’t working with him, he was willing to help advise me. Richard always goes the extra mile!”

“Richard is a very personable mortgage expert. He helped me with a refinance that was completed painlessly and in record time but the best part is that he provided me with comparative data. That data allowed me to assess options that could help reduce my taxes, payoff higher cost debt, and/or pay down the loan more quickly. Finally I had found someone who gave me all the facts, ran the numbers, and put it in a format that I could understand. I know the process to refinance has become more complex which makes it even more important to ensure that you are making the right decision. Keep up the good work Richard!”

“Richard is a very personable mortgage expert. He helped me with a refinance that was completed painlessly and in record time but the best part is that he provided me with comparative data. That data allowed me to assess options that could help reduce my taxes, payoff higher cost debt, and/or pay down the loan more quickly. Finally I had found someone who gave me all the facts, ran the numbers, and put it in a format that I could understand. I know the process to refinance has become more complex which makes it even more important to ensure that you are making the right decision. Keep up the good work Richard!”

“Richard has been there for our family’s financial needs more than once. His superior knowledge of the local/national financial scene goes a long way in allowing me as a client to know what choices are available and what the effects on my financial situation will be. He speaks in a language that I can understand. That was important during a crisis time. He cares about the client, and will actually tell the client that it isn’t the best time to do business with him, if that is the current financial climate. But when it is time to do business, he will be right there, ready and waiting to serve my needs. I can highly recommend Richard and his team to anyone who needs his services”