To Whom It May Concern,

I have been a client of Julian Wrubel at Providence Mortgage and investments for  about 2 years. During that period of time I have lent funds to close 5 loans with his company.

I have found Julian to be open, honest, reliable and a good communicator. I am currently in the process of funding another loan with him.

Joel Gilgoff

Sedona, AZ

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Starting as a brand new investor, I have worked with Julian Wrubel for almost two years and I feel confident enough to have recommended him to three friends and now, to my daughter Kati. He has been patient, respectful, efficient and, so far, it is a pleasure doing business with Julian.

Susi Wright

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To Whom It May Concern:

The following is a tribute to Julian Wrubel.

Late last year I found myself in the worst of all possible worlds. My wife had suddenly died

with the subsequent loss of her credit and her business income. This necessitated the sale of

a property in the most miserable real estate market in memory. On top of these, my union,

the Writers Guild of America, was on strike. I was about to hit the wall when I met Julian.

When no one else could, he was able to secure a loan that allowed me to stabilize my financial

situation. Now, my property is in escrow and the WGA has signed a new contract, and I am on my way to recovery.

Julian Wrubel is a gentleman and a scholar, and something of a wizard. I recommend him without reservation.

Yours,

Bill Crown

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Dear Julian,

You have been a terrific resource to me over the past several years both in terms of providing advice as well as in obtaining mortgages for property that I have bought in the Sedona area. However, it is your most recent advice and service for which I truly wish to thank you.

As you know, my home in Verde Santa Fe was in foreclosure when I came to you for advice regarding a short sale. After speaking with you, I knew

I was in the right hands and that you would do your utmost to save my home and avoid a sheriff's sale. As such, you promptly provided the appropriate documentation needed to begin the process of short sale, you steadfastly pursued contact with the lender and negotiated a price, and got the house quickly on the market. Moreover, in the midst of implementing the short sale, you were able to forestall an impending sheriff's sale of the property. Your negotiations on my behalf saved my house and gave me the time to work out an agreement with friends that will now get me back on track with my mortgage payments. I cannot fully express the thanks I owe you for your help in this matter except to say that, while other mortgage advisors talk about what they can or will do, you actually make it happen! A mortgage consultant for life? You bet!

Kindest regards and many thanks, again,

Carol Montague

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Hi Julian,

Thanks for the excellent service & work regarding (the property).

Always a pleasure working with you,

Sincerely,

Jeff Teele

Coldwell Banker 1st Affiliate

Sedona, AZ 86336

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Dear Julian,

Happy New Year!

And it is for us - because of you!  We just made our 1st Mortgage payment (ouch but Yea!) and are so very grateful for your perseverance and all your time and efforts and Jessica's!!  THANK YOU!

We toast you!

Love Iz & Tom

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To Whom It May Concern:

Julian Wrubel brings authenticity, transparency and trust on a daily basis to his employees and his clients.

The way in which Julian causes his employees to service each person on an individual basis with respect, efficiency and esprit de corps makes doing business with Julian and his team a unique and wonderful experience.

As a past and current client of Julian’s, I recommend him highly.

John Glascock

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Galloway Realty

1835 W. Hwy 89A, Suite 3

Sedona, AZ 86336

Phone: (928) 282-1888

Fax: (928)-204-2360

To Whom It May Concern

RE: Julian Wrubel

I have recently had the pleasure of working with Julian Wrubel on a rather interesting deal. My clients had chosen a unique home and needed someone that could fully understand their financial situation. Julian was wonderful at finding them the right loan, quickly, and making sure it worked comfortably for them.

At the day of closing, an uncontrollable circumstance arose that could have proven detrimental to the deal. I happened to be out of town, feeling rather helpless and Julian was left to deal with the situation. Not only did he go above and beyond what I would expect from a lender, but I can truly say it was due to his professionalism and integrity that the deal actually closed. I cannot express enough how much I appreciate all that Julian did from beginning to very end of that escrow.

I am completely confident in Julian’s capability to make the lending process as smooth as possible. I will continue to highly recommend him to my clients and look forward to the privilege of working with him again soon.

Sincerely,

Alyssa Liner

Realtor