References

"Gregg,

Would like to take a moment to thank you for a pleasurable business experience and that I am looking forward to future business with you and your organization.

Warmest regards and a prosperous New Year!"

L. I.

"To Gregg Winter and the W Financial team,

I inherited a beautiful Brownstone on West 14th Street. I started to renovate it out of pocket and then went into the market to get additional financing.  However, I was unable to secure a reasonable mortgage because my building was under construction and my income was not sufficient to complete the renovations.

W Financial came into the picture and quickly decided to provide me with a private bridge loan to finish the construction and then promised to secure a good mortgage after the renovations were completed. Gregg and his team allocated the construction financing quickly and were aggressive in finding and closing on the best bank financing once the construction was completed and the property was leased and cash-flowing.

Because of your level of experience, resources and resolve to bring my building to the financial markets, I am forever grateful."

Very Truly Yours,

Maximino Vazquez

"Dear Gregg:

Just a short note of appreciation for your assistance in securing the mortgage for my Sag Harbor commercial property. Your firm's knowledge of the East End marketplace, relationships with the financial institutions, and attention to detail facilitated the process.

The diversity of the options presented all were advantageous to our business solutions. I am most appreciative for your personal attention to the project and how you kept me informed as needed, allowing me to give full attention to my business. And finally, I recognized how you stayed on top of the matter through the closing to guarantee that my interests were met.

I look forward to working with you in the future."

Sincerely,

Hal Zwick

"Dear Gregg,

I would like to take this opportunity to thank you for all your help
in connection with the mortgage refinancing for our building on West 72nd Street. As you know, there are many things that can go wrong with a mortgage refinance. However, your firm was able to pull together all the pieces of the puzzle to make the closing happen.

It has been a pleasure working with you and your firm, and I would
recommend you highly to other cooperatives that I manage. Thanks again for a smooth refinance!"

- Very truly yours,

Richard G. Wolf, Vice President
Alexander Wolf & Company, Inc.

"The personal attention you showed us and your energy and promptness in every step of the process were invaluable."

- Marjorie Rutimann, West End & Riverside Realty Corporation

"... you and Winter & Company bring a level of professionalism and decency to the mortgage profession that is exceptional."

- Robert A. Friedlander, 298 Garfield Place Owners Corp.

"... I want to express my personal appreciation to you and Gregg and that of our Board of Directors and Apartment Owners for a job that must be rated as A++."

- James J. Gallo, Bay Ridge Towers, Inc.

"It was one of the few times in my business life that your fee was worth every penny we invested."

- Thomas Schweder & Beverly Pieren, Owners of 218 St. John's Place

"Your professionalism and your adherence to the highest level of ethics did, unquestionably, serve us well."

- A.S. Pohl, Cameo House Owners, Inc., White Plains

"I have never actually written a letter applauding the work of a mortgage broker. However, your work was outstanding."

-Robert Hartman, Esq. Hartman, Ule, Rose & Ratner

"I was most grateful for your professionalism, good advice and patience. It was a rare combination that served us well."

-Ernest Barbieri, 142 Fifth Avenue Owners Corporation