Four years ago when I bought a house on an island off Long island, New York, I contacted my accountant about which bank he would suggest. He didn't. He gave me the name of a mortgage broker. Instantly, my back went up. Who wanted one of those mercenary mortgage brokers, which to me are akin to the boiler room stockbrokers. However, my accountant was a partner in a very, very big accounting firm and he advised me that this chap (David Steinberg, president of Summit Funding in Kew Gardens Hills, N.Y.) was the broker for the firm and did tons and tons of mortgages.

"Besides, he is much more honest than you."

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