Dear Mr. Scherpenberg

There is a quotation by Mark Twain which reads; « A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain ».

That was how we felt when I called you about trying to find a solution to our financial dilemma. My wife and I had found ourselves over-whelmed with debt with seemingly no way out. Apprehensively I called you and explained the situation.
Expecting a similar response to that of our bank, I was pleasantly surprised that you wanted to see us and investigate the
issue further.

That first meeting left us with a slight glimmer of hope which in the end turned into a huge light at the end of the tunnel. You pointed out to us that our bank did not provide all the resources it should have when we renewed our mortgage with them about 6 months earlier, and you felt that there may be some assistance available.

Your efforts in dealing with various financial institutions on our behalf and ultimately securing a new mortgage which liberated us from our fiscal constraints were both a great relief and greatly appreciated.

The expertise and professionalism you showed restored our faith in the banking system. Sometimes it really is who you know, not what you think you know. We have learned that venturing alone into the mortgage marketplace is a risky business.

Thank you for resolving our financial situation.


J & R B.