I went to Sam on recommendation of a co worker so I could refinance my house. Sam was very personable from start to finish and was always available if I ever had any questions. Sam makes you feel like he is part of your family. I work in law enforcement and we all know you have to be careful of people these days. Sam worked me through the whole process and did his absolute best to get me the best rate that he could. I will be using Sam in the future for all my mortgage needs and you should too!