What can I say about Sam? what can't I say about him? Not only is he a great guy on a personal level, but working with him will make you a fan of him quickly. Sam is a man of his word, what he said what would happen, happens, no hidden fees like other brokers I have dealt with in the past, and actually received a nice little credit back which was great. I have used Sam in the past and I will continue to use Sam's services in the future, I even have referred friends and family to go to him. If you have any financial needs, Sam is the man to go to, he is honest, trustworthy and his communication is on point. Sam will look out for your best interest, get you the best rate and hunt down the best loan possible to suit your needs, not his and that is rare nowadays. Looking forward to working with you again soon Sam, Thanks for everything!!