Testimonial for Horizon Financial Associates and George Duarte

From

Dennis Sweeney,

Owner, Precision Tune Auto Care

1630 S. Main St., Milpitas, Ca. 95035

June 27, 2006

   My wife Ellen and I are just closing our third home loan financing transaction with George and Horizon Financial over the last 5 year period, and we are very pleased with the whole process and results. George always takes the time to consult with us to determine our goals and needs. He explains our options, the different loan programs and their features and recommends which one is best for us. The loan process itself has been very smooth with a minimal amount of paperwork, and handled in a timely fashion, George and Ashley even came to my office for Ellen and I to sign our loan papers.

As a small business owner myself, I know and appreciate what good customer service is, and repeat clients’ value to a business. George and Horizon have been doing business in Alameda County for 20 years, and have built the business on repeat customers and referrals from them. That is how a good business grows, and how I do my business as well. Therefore, I am happy to recommend George Duarte and Horizon Financial Associates for any real estate financing needs, especially for business owners and self employed people.

Sincerely,

Dennis Sweeney