We had the pleasure of working with Angelica to buy our first home and we couldn't be happier with the experience. Throughout the entire journey, from pre-approval to closing, Angelica was there every step of the way. She made sure we understood each phase of the process and kept us informed of any updates.Overall, Angelica's kindness and friendliness truly set her apart. She made us feel comfortable and supported throughout the entire process. We are grateful for Angelica's support and highly recommend her to anyone in need of a mortgage broker. Thank you, Angelica, our family is grateful for all your help! Less

Samah and Fahim helped us with our critical requirements and we were really happy with the overall smooth process. I will highly recommend these Citadel associates to my friends and families. Less

I had a fantastic experience working with Vipul as my mortgage agent. As a first-time homebuyer, the process felt overwhelming at first, but Vipul made everything smooth and stress-free. He was incredibly knowledgeable, responsive, and patient—answering all my questions and guiding me every step of the way. Thanks to his expertise and support, I was able to buy my first home with confidence. I highly recommend Vipul to anyone looking for a trustworthy and dedicated mortgage professional! Less

We are incredibly grateful for the outstanding support Angelica provided as our mortgage broker during our first home purchase in Toronto. Her expertise and dedication made the entire process smooth and stress-free. Angelica took the time to explain every detail clearly, ensuring we fully understood each step of the mortgage process. Her patience and ability to break down complex information into easy-to-grasp terms gave us confidence and peace of mind.Angelica was always approachable, promptly addressing our questions and concerns with professionalism and care. Her commitment to finding the best mortgage solution for us was evident in her thorough guidance and personalized approach. She truly went above and beyond, making us feel supported and valued throughout the journey.If you’re looking for a mortgage broker who combines deep knowledge with exceptional communication and genuine care, Angelica is the one to choose. Thank you, Angelica, for helping us secure our dream home with such clarity and ease! Less

I had such a great experience switching my mortgage to Citadel Mortgages! My mortgage agent, Samah, was with me every step of the way, from my initial questions all the way to closing the transfer. She really knew her stuff and was always there to answer any concerns I had. I truly appreciate how she went above and beyond to make my mortgage switch as smooth as possible. With my busy schedule, I had limited time to tackle the paperwork and get my questions answered, but Samah made it so much easier. I couldn’t imagine finding this level of service with any other agents out there! I really feel lucky to have had her help me through my application, and I was never disappointed during the entire process. With that, I highly recommend Citadel Mortgage to anyone looking for excellent mortgage services! Less

Choosing William Wang as my mortgage broker was one of the best decisions I made during my home re-financing journey. From start to finish, he brought a level of professionalism, insight, and dedication that truly set him apart.William didn’t just process paperwork—he acted as a true advisor. He took the time to understand my financial goals, walked me through all available options, and explained the process with clarity and confidence.What impressed me most was his responsiveness and work ethic. No question was too small, and no detail was overlooked. Even under tight timelines, William delivered with efficiency and calm. He negotiated excellent terms for me and made the entire process smooth and stress-free.It’s rare to find someone who is both highly skilled and genuinely cares about their clients’ outcomes. William Wang is that person. I would wholeheartedly recommend him to anyone looking for a mortgage broker who goes above and beyond. Less

A heartfelt thank you to Angelica and her incredible team.From the very beginning, you showed up with grace, patience, and a can-do spirit that carried us through.You didn’t just meet our needs—you anticipated them.You gave us everything we needed, exactly when we needed it, often before we even knew to ask.Your dedication, your professionalism, and your kindness were felt in every detail.You made what could have been a stressful process feel smooth, supported, and even joyful.Your presence was a gift, and your work was a blessing.Because of you, we were able to focus on the moment and move forward with peace and confidence.Thank you for going above and beyond—for being not just a team, but a part of this story.We won’t forget it. Less

Anthony was my guardian angel through this process. This was my first home purchase. I knew nothing going in and my family live far away so it was incredibly stressful to be going through this alone. I don’t think I could have gotten through without his kind words and advice. Thank you! Less

We had the pleasure of working with Anthony Bailey at Citadel Mortgages and it was an outstanding experience. As first-time homebuyers, my fiancé and I were new to the process, but Anthony guided us every step of the way with professionalism, responsiveness, and care. He made what could have been an overwhelming experience feel simple and stress-free. Anthony was always available to answer our questions—day or night—and kept us informed every step of the way. He went above and beyond to ensure we secured the best mortgage rate possible, and his professionalism and responsiveness truly set him apart. We highly recommend Anthony to anyone looking for a dedicated and knowledgeable mortgage broker. Thank you again for everything! Less

Mark Rallo is the absolute best. He is knowledge, trustworthy and always available which made this process so seamless and comfortable. I would recommend him to anyone. Less

Working with Anthony has been a delight. He's been very informative and helped us understand many of the things we missed with our last broker. Great job! Less

We had the pleasure of working with Mark Rallo, and his service was exceptional. Mark took the time to explain every detail, ensuring we fully understood each step of the process. Mark was there to assist us every step of the way. If you’re looking for a credible and knowledgeable broker, look no further - Citadel is the place to go, and be sure to ask for Mark Rallo! Less

If I could give these guys a zero star rating I would. I submitted so many documents only to have a guy call me two days later to brag about how he is the best and can get me the best rates, yet never produces a rate offer. As others have stated, endless documents that these clowns want only to not even look at them and then brag about how they get the best rates in the country. I have emailed Real Estate Council of Alberta (RECA) assist me in having my personal information removed from their systems because they are citing RECA regulations for keeping all my personal information on file for 3 years even though they failed to get me a quote. And their lame excuse, I didn't scan the back of my drivers license, hence why they haven't proceeded. Apparently my passport picture and front side of my drivers license wasn't enough. Shady company, stay away!EDIT: I knew this POS was going to post reply to justify their shady dealings. Let me further explain. The guy that called me back after two full days of uploading my documents flat out told me over the phone that he actually hasn't had time to look at my documents, yet claimed it was incomplete. So then I ask him what was missing if he hasn't even looked at my documents. He response back saying, "well, I glanced at them quickly but noticed you didn't scan the back of your license". So I tell, ok I will upload that right away since you require that. I log back into my account and low and behold I can no longer see my application nor my documents. I call this guy back, who I will not name because he probably learned his shady business practice from the owner, tells me he'll call me back as soon as he gets off the train (this is Friday evening) and explain the website now redirects me to a mortgage loan course. I tell him all that and he says he'll get is sorted out and call me back that evening. Never heard back from him until Monday afternoon and he plays dumb with me pretending not to recall any of that conversation. All the BS from these clowns is laughable. Also, I have attached an email you start receiving AFTER you have uploaded all your personal information for the loan. They start sending you emails asking for your bank information, and keep in mind you don't find out about this until after you start the application process. Less

We are fortunate to have Sydney Tolentino as our mortgage advisor. She’s great at what she does! She made our mortgage journey as a first time home buyer less overwhelming with her patience in answering our questions and guiding us from pre-approval to closing . She made sure we are informed and updated .I appreciate her genuine interest to make our experience to be a positive one especially it’s gonna be our first home . Indeed, the journey is easier with the right people . 😊 Less

I had the pleasure of working with Surya Prakash as my mortgage advisor, and I couldn't be happier with the experience. Surya was incredibly knowledgeable and took the time to explain all of my options in detail. As a first-time homebuyer, I had many questions, and Surya patiently answered them all. They were always responsive to my calls and emails, and they made the entire process smooth and stress-free. I highly recommend Surya to anyone looking for a reliable and trustworthy mortgage advisor. Less

Anthony was very helpful and knowledgeable when i called in. He took the time to understand my situation and provide me with options that i didn't even think of. Will definitely refer my friends to work with him. Less

Best Mortagage company ,provided me all the necessary information.Samah khalil has given me all information about mortgages.I would thank citadel mortgages. Less

We had a great experience working with Sydney. She helped us navigate the home buying process, from pre-approval to closing. She also helped us get a quick final approval in just a few days.We recommend her for anyone looking for a Mortgage broker! Less

Very fast, dedicated service. I would Recommend Samah and overall, Citadel Mortgages for an ongoing dedication and making their client a priority during the application process. Less

We are beyond grateful for Angelica Soriano of Citadel Mortgages for her incredible support in helping us finance our first home in Hamilton, Ontario! As first-time homebuyers, navigating the mortgage process felt overwhelming at first, but Angelica made everything so much easier with her expertise, patience, and attention to detail. She took the time to explain every step clearly, ensuring we understood all our options and felt confident in our decisions. What truly stood out was Angelica's genuine care and dedication. She went above and beyond to find the best mortgage solution tailored to our needs, making the entire experience stress-free and seamless. Her professionalism and personal touch made us feel supported and valued throughout the process. Thanks to Angelica, what once seemed like a daunting task became an exciting and empowering journey. We can’t thank her enough for helping us achieve our dream of homeownership, and we would highly recommend her to anyone in need of exceptional mortgage services! Thank you, Angelica, for your outstanding work and for making this milestone a reality for us! Less

No one else would help me out and Samah stepped right up to the plate and hit a home run for me . 😊 I’m a new nurse and now I can enjoy my patients without the financial stress. Forever grateful ❤️ Less

At first, I didnt have high hopes for this company as there was a lot of work involved and it appeared I wasn't being taken seriously. My application was for a small mortgage, no realtor, first home, and I had a lot of unknowns with my income and resources and such. Then I met Roger Lam. He is truly amazing and persistent and went completely above and beyond. I couldn’t ask for anything more. Him and tristan had been excellent at navigating my options and I am so blessed to have had them in my corner. They are hard working, persistent , knowledgeable, professional and know how to get things done! Thank you for everything! Less

Got an opportunity to deal with Vipul Agarwal-Citadel. Truly professional, detail oriented and empathizes with your needs and situation as a home buyer with utmost honesty. Thanks Vipul for guiding so well. Less

A massive thanks to Sydney for all your hard work and professionalism in securing us a mortgage, I did not think it would be possible considering our circumstances but you’ve gone beyond. She was so helpful, gave us excellent advises, and she constantly kept in touch and explained all of the details. We will always be grateful for that! Less

Sydney is totally awesome. She delivered what she promised to me which is to help us purchase our first property. She is reliable and professional and most importantly willing to help. I just saw her post in a social media platform and chat her. I have no idea if I can trust her but I trusted my guts and also her profile and I can't believe that everything went perfect. Trusting her is really one of the best decisions I've made. Less

Our dream to homeownership turn into reality through the help of Angelica of Citadel mortgages! Her expertise secured us a mortgage which once we thought impossible for those with low income. Despite the hurdles we encountered during the pre-approval stage, she diligently stood on our side giving not only moral support but spiritual support as well. I’m extremely glad I met Angelica, she’s truly an asset of this company. I strongly recommend her to all my friends and relatives and look forward to working with her again when I’m up for renewal. Less

SCAM ALERT! DO NOT JOIN HERE AS A MORTGAGE AGENT!After reviewing other reviews, it becomes clear that this brokerage is unwilling to consider perspectives other than their own, whether from their own customers or mortgage agents. Instead of reflecting on and improving their processes, they opt to disprove their customers and agents, often by falsifying information.I joined here for 1 day. They required the agent to complete several extensive training courses within 24 hours of joining (attached evidences). The agent failed to comply, and chose to leave instead after his integrity was questioned. As a result, the brokerage retained the $600 joining fee paid by the agent.I have attached evidences so you can decide for youself on what transpired here. I am certain that this incompotent brokerage will try and defend this glaringly evident scam as well and not to improve themselves.Reply to the brokerage -> Can you provide ANY evidence to support your false claim? You clearly asked all those trainings to be completed in 24 hours. Clarification only came much later, with continuous finger pointing and without acknowledging your mistake. If you got nothing, just dont respond anymore, take a deep breath, and think about it; why would an agent rush through those extensive training courses when he wasn't supposed to unless he is instructed to? Your story doesn't add up. Less

A couple years ago my daughter applied for a mortgage with myself as a cosigner. A broker by the name of Christa ghosted her for weeks before telling her no (which was fine because she got approved with a local mortgage broker within days after applying with Citadel due to no communication) fast forward 3 years my daughter got her mortgage in her own name and now all of a sudden out of the blue this Christa woman won't stop calling. She has MY number and keeps calling and leaving messages for my daughter. Unreal. I would never deal with a company who has brokers like this working for them. If you want peoples business try communicating from the onset not just people you know you can approve. unreal!!!!! If you treat people right when you can't help them they will remember you later on. Less

Citadel Mortgages helped me explore my options for an upcoming mortgage renewal. The broker I worked with (William Wang) was extremely professional, prompt, and helpful. It was a great alternative to the typical "big bank" approach. I would recommend working with Citadel, and look forward to working with them when I'm up for renewal again. Less

William Wang is the very best mortgage broker I have met in my life. He is efficient, hardworking, knowledgeable, resourceful and extremely helpful. He treats his clients like his own family by wanting the best for them. I'd strongly recommend anyone to work with William. I am very lucky and grateful to have the opportunity to. Less

Very difficult to just get a quote. They want me to spend hours uploading documentation, including a cra statement (which I've never been asked for from a broker before), and an insurance binder (why would I get this prior to even getting a quote?). Anyways, I'm not willing to put in that much effort just to get a quote when you can get one much easier from many other brokers out there. If it's this hard to just get a quote, I can just imagine how hard it would be to work with your brokers in the future. Also, the response rate is much slower than other brokers.Reply to the brokerage: you never gave me a quote of 4.54%... you never gave me any quote at all. Also, I had to reach out to you after my application as I never got any response from you. The email from your broker even apologized for the delayed response. I think you need to re-read our emails because what you're saying is inaccurate.And what behavior can delay a mortgage closing?! Not providing you with every detail about my life to get a simple quote to see if you can beat the already competitive rate that I have. I don't want to waste my time uploading documentation for nothing.... Leaving an honest review about my experience.... This brokerage is a joke. Red flags!!! Less

My experience was poor and would not recommend based on my experience. My first two mortgage agents quit the company with no notice and eventually my file was passed to a more senior representative. The senior representative was slow on the file (in my opinion), and when I was presented with an agreement I felt pressured into signing before reading it through "look man...most people just sign at this point" . When reviewing I noticed (not the agent) a clause stating that after the 1-yr agreement I would be locked into a 5-yr agreement. The agent assured me this was wrong, therefore I called the lending company who clarified that yes, following a short-term low-interest 1-yr, I would be locked into a 5-yr or pay a penalty. Based on the perceived lack of knowledge from more senior representatives and the pressure I felt to sign without properly reviewing I went to a competitor. Less

Exceptional Experience with Angelica at Citadel Mortgages From the very start of our journey to homeownership, Angelica stood out as a beacon of expertise and support. Despite the potential hurdles that come with being on a work permit, Angelica navigated us through the complex world of home mortgages with unparalleled professionalism and care. Her attention to detail and profound understanding of the mortgage landscape gave us the confidence we needed to make informed decisions every step of the way. Angelica went above and beyond to ensure that all our needs were met, answering our questions with patience and providing us with the reassurance that only true dedication can bring. The sincere commitment Angelica demonstrated made us feel like more than just clients; we felt valued and understood. Her diligent efforts didn't just secure us a mortgage—they secured us peace of mind and enabled us to achieve what we once thought might be impossible for those of us on work permits. Many thanks, Angelica, for turning our dreams into reality. Your hard work and genuine concern have not gone unnoticed, and we are truly grateful. We highly recommend Angelica at Citadel Mortgages to anyone looking to navigate the mortgage process with a trusted advisor by their side. A heartfelt 5-star review for an outstanding professional! Less

Great experience overall. A little complicated at first as you need to provide a lot of information, but they gave me the best rate upfront by far, didn't have to negotiate. Also had great benefits/offers available. Answers every concern very quickly at anytime of the week. Less

One of the best company I have dealt with. They really kept my interest as priority. Had dealt with two mortgage brokers before working with Samah Kahlil from Citadel. Even thought deal did not workout first time, she persisted and closed the deal with really good rate. Hard working, persistent and timely. Highly recommended. Less

Absolutely fantastic mortgage broker to deal with. From initial inquiry through to final signing of papers, Roger and Citadel were great. Always quick with answers to questions. Highly recommend using them for any of your mortgage needs. 👍👍👍🥇 Less

Citadel Mortgages stole my prepaid yearly fees and paid me 5 bps on my first mortgage deal. If you’re thinking of becoming an agent or broker here. I recommend you don’t. Less

First time home buyer and was super nervous but to be honest working with Citadel Mortgages was super smooth and the the people who work their are amazing. I'm glad I was able to deal with Citadel and I'd surely recommend them to all my friend and family who would be looking for property in the future. I'd love to avail their services again when I'm looking to upgrade. Less

My family is very grateful to Citadel Mortgages especially to Ms. Sydney Tolentino. Because if not for her and her expertise we’re not able to acquire our so called “home” today. She’s very helpful and knowledgeable in every way, that made the whole process very fast. Please continue helping other people in achieving their dreams of having their own house! 💗 Less

The first time I reached out to Angelica Soriano was God sent! We were trying to find someone who could provide the support we needed and yet she pulled it through! It was a tough journey but we made it because of her hard work! We are so lucky to meet and work with her! Nathan and Angelica are the best duo out there! So professional and detail-oriented! Thank you for helping us secure our home! We hope you continue to help others! Less

Me and my husband are extremely happy that we chose Citadel Mortgages as our broker. Our mortgage broker Mr. Vipul Agarwal, is extremely efficient, professional and hardworking person. He was always available to answer any of our questions. He replied promptly to all queries and emails sent and was polite and courteous. He arranged a best rate of interest with a good lender in a short time. We strongly recommend Mr. Vipul Agarwal and his team. Less

We greatly appreciate Thuy Tran. She has professional knowledge, provided updates and kept me informed while my application was in progress which made me feel comfortable and confident with getting a mortgage. It was a great experience working with her. She gave us huge help when we really needed funds and most of all reliable. We would strongly recommend her for anybody getting a mortgage. Less

Excellent, I had the pleasure to work with Roger, and Tristan, I could have not asked for a better team. Thank you so much for helping me, your promptness, and Roger Lam you always answer all my concerns. You both came thru on this deal. I will definitely recommend Citadel. Thank you Lisa and Chris Less

I had a wonderful experience working with a team at Citadel Mortgages, especially with Rezwan Tarin whose expertise and advice were invaluable for my decision making in purchasing my first property in Canada. His constant guidance through the entire process made this a very smooth journey for me. Thank you, Rezwan! Less

They act as your partner, keeping your informed every step of the way. If you want the best, just ask for Samah. She makes your experience so much better. Very professional. Less

We have been working with Roger on our home financing needs and he has provided the best service we have experienced to date! Roger is very knowledgeable and supportive, and has provided lots of information to help us in making decisions for our home! We would highly recommend working with Roger and look forward to working with him again in the future! Less

Wow! The customer service through Citadel is second to none! I worked with Roger Lam and he went above & beyond to get the best rate he could for me on a really tight time constraint. Not only that, he consulted with his team to help figure out solutions to my unique and perplexing issues with my current lender. I have never received such personalized, knowledgeable, responsive customer service. I highly recommend Roger and the Citadel team to anyone looking for mortgage solutions. You won't be disappointed! Less

Had the unfortunate experience trying to get mortgage rates with Citadel. We are a good income/credit family with no debt. They promised lower rates…while continually asking for more and more personal info. They require more info than any other bank/broker out there. Just when you think you are finished they will ask for more. Still unsure if we were just scammed for our personal info. It may work, but if you aren’t desperate than don’t waste your time. Less

I came to Citadel with a very challenging and complex case Robert managed to make everything simple for my wife and I Robert was moved throught everything with speed and precision. Take my word when you meet Robert you will know he's exceptional. Thank you Robert we look forward to working with you on our next renewal. Less

Robert was very easy to with. He gave excellent advice on the different options available to me. This was a renewal for me. I experienced a bit of a snag that could have detailed the whole process. With Robert's help the problem was solved efficiently and expertly. Robert was a pleasure to work with. He was always pleasant and took the time to explain everything. I would recommend him highly. Less

I never dealt with such an Amazing Professional in my entire life, Louis Amaral of Citadel Mortgage is the real deal!!! He is fast efficient, and so detailed an absolute pleasure to deal with he takes the time, he is so knowledgeable, he is someone that I would recommend at the highest level!! You are in the best hands if you are looking for a mortgage he will not disappoint he has made this experience so positive and I cant say enough about him!! Please go see Louis he is amazing, don't wait call him you will not regret it!! Less

I have expressed multiple times I do not need a mortgage or any services provided by you. Please stop spam calling me, texting me, emailing me. I have tried blocking numbers but they somehow keep switching to different numbers or emails to keep spam contacting me. How many times do I need to say no for it to be enough? Less

From start to finish, Mark Rallo was nothing short of professional, efficient and thorough. His attention to detail and mindfulness of time constraints reassured us that we definitely made the right decision in choosing Mark as our Mortgage Broker. He acted on our behalf and followed up/liaised with other professionals when we were not available due to other commitments. Moreover, a genuine level of trust was established immediately and at no time did we not feel supported and well guided. I am confident that anyone who utilizes Mark's services will no doubt be more than satisfied. He is a true professional who not only gets the job done, but is truly passionate about helping his clients. I would highly recommend Mark and will most definitely be happy to work with him and Citadel again! Less

I had an excellent experience with smooth process through Pre approval and finding lender with Citadel Mortgages.Kudos to Jay Vyas, who helped me a lot with documentation, getting pre approval and get the best mortgage rate. I found him informative and helpful with my queries throughout the process. Being first time home buyer, I am very impressed with the level of dedication and service I received from him.Thank you Jay. You are the best! Less

I have found these people to be quite efficient and empathetic, as well as patient-as my situation was difficult.I admit, I was scared. People should definitely go through Citadel, trying a bank was intimidating and even repellant. Citadel is #1 !!! Less

Made our family dream come true with their efficient ability it get us a mortgage on a place we can now call home. Robert did his very best to ensure we were comfortable with every step we took, and gave us the best bang for our buck. Don't ever hesitate to choose Citadel as a starting point to make your dreams come true. Less

Rolando Agreda worked with us every day of the process to ensure we were getting the best possible rate for our renewal. He was genuinely involved in our case and was professional and knowledgeable. We couldn't be more grateful. Thanks Rolando!!! Less

I worked with Mark & there's no one I'd personally recommend more then him , I told him I really wanted a Christmas tree up in my new house this year and he done everything he could( even though I know I must have been driving him crazy)& we move in on Dec 16 all thanks to Mark.. Less

My wife and I were forced to acknowledge a debt that was not mine Blair lowndes agent and rocky rikhy manager forced us to accept a payout by stating no one will lend us but citadel will if we acknowledge this debt they then failed to acquire us funds they refused to proceed unless we agreed this was extortion using our situation as leverage Less

Worked with Jason FENECH at citadel mortgages, outstanding experience! He answered all of my questions with ease, I had no surprises and was 100% satisfied with the completion of my mortgage with Jason and citadel, thank you! Less

Just finishing successfully my mortgage refinance journey guided by Frank Petruzza. Having someone with professional knowledge, helping with one of the most important family assets is crucial. Frank used his knowledge to walk with me in the full process of my application, answering every question, and explained every step of the process, making immediately a connection of trust and confidence. 100% recommendable, Thanks Frank !!! Less

It was a pleasure working with Jermaine at Citadel. What I lived most was the thoroughness and efficiency of their process. I recommend them to any one looking for help with their mortgage needs. Less

I should not proceed and had my credit score pulled. No even private lender they cannot close deals. They really don't have access to private lenders Less

Rami the customer assistant was very good and helpful, however:I was told the rate of interest was 3.45%, then 3.7%, then 4.2% in a matter of a week. They should not advertise a low rate to get customers in.The document I was presented as the lender offer spelled my name wrongly, was a template with clauses that did not apply to me, contained unacceptable collateral clause, did not disclose insurance rate for title. It had not been proofread and checked before being presented to me.The secure portal they use to upload client info and documents was bad in that it did not work correctly, did not upload correctly, and caused Rami to put in far more work than was needed.Rocky, I guess Rami's supervisor said to give him a couple of days to look at other lenders, which I agreed to . But, next morning I was asked what do I want them to do as nothing was going to change from the lender's document I was presented with.I think the issue here is that the industry is busy and they are trying to get as many products out of the door as fast as possible. However attention to detail is lacking and its shoddy when quantity is more important that quality, certainly in my case.No doubt they have helped many people in a fine and acceptable manner, but everyone should be comfortable dealing with any service company, I was not here. Less

I just closed on my mortgage last month . I dealt with Alex as my broker and I couldn’t have asked for better . She was very quick to answer any and all concerns I had at anytime. Very knowledgeable and helpful . My mortgage was closed with time to spare 👌Definitely ask for her when you get in touch with citadel !! Less

There are no words for the gratitude I have for Michelle V and team at Citadel. I went through the mortgage process for the first time as a solo applicant while also going through the end of a marriage and Michelle's kindness, compassion, understanding and work ethic made both situations better. To top it all off, Michelle got me exactly what I was looking for with a rate I only dreamed of. Michelle and team are the ONLY people I will recommend to family and friends. Thank you Michelle <3 Less