After graduating from the University of California at Berkeley in 1983 I started my real estate career, first as a commercial agent and for the last 20 years as a mortgage broker experienced in both residential and commercial lending. I have successfully closed over a billion dollars in loans during my career, a rare achievement in real estate. I realize that owning a home is not only the American dream, but the single most important investment that most people make. I use my experience and the most current mortgage software and products to ensure that each one of my clients receives the loan that is exactly right for them. My goal is to obtain the right loan at the lowest price with the best possible customer service. I invite you to browse through my web site and contact me with any questions you may have about your current or future financing needs.    Rick Sanguinetti   745 Portola Drive San Francisco, CA 94127 Phone: (415) 682-0304 Fax: (415) 242-0560