Hi there, my name is Jason Neu. I work as a partner with my wife Barbara. Combined we have over 23 years experience and that is not including my 10 years in mortgage banking. We are both born and raised in the Silicon Valley. I have never actually have never lived outside of the Bay Area and Barbara only lived in Southern California during her college years. In the last 2 years we have closed over 40 million in volume and are looking to grow our business.