Hercules is the person you need to go to in order to get your mortgage and finances in order.He will find you an option...I thought my chances to get my family into a house were next to none and he came up with plans and options that made us feel comfortable and not strapped for money.I will use him again the next time we need our mortgage looked at as he is 100% trustworthy and won't feed you any BS...I implore anyone looking for mortgage/mortgage advice to talk to Hercules first.