Okay, let’s tackle this. So Harold has 23 years of experience in mortgage finance, which is a specialized field. His role as President of Miami Service Bureau, Inc. indicates strong leadership skills. The fact that he has a Bachelor of Business Administration degree from the University of Miami adds to his credibility. Location is Fort Lauderdale, Florida, which is a significant market for mortgage finance. Considering his experience, education, and location, I estimate his hourly rate to be around $200. This is slightly lower than the average rate for mortgage finance professionals in the US, but his leadership experience and degree from a reputable university justify this estimate.