We have had several real estate closing/refinance experiences over the years and this was the most satisfactory transaction we have ever had. From the very first phone contact with Michael, he made it clear that our account was important to him. Over the course of several phone calls, but in a relatively short time frame, he was able to work up numerous scenarios to fit our requirements and managed to secure a rate much better than we had originally envisioned. From the first phone contact to closing was only three weeks - record time in our book. All this during the middle of a pandemic with stay-at-home orders in place. Thanks Michael.