Carl is one of those very special people who worked tirelessly to get my loan established at the best rate possible. His instructions were very clear and concise, but this really did not feel like a difficult business transaction. While a lot of paperwork was required, he optimized the time to make this as painless as possible. It’s difficult to imagine that a mortgage broker could become such a trusted friend. I highly recommend him to anyone seeking to refinance for a more competitive rate or acquire that mortgage for a new home. You won’t go wrong!