After initially dealing with what appeared to me to be a predatory lender (which shall remain nameless), Cheryl Kroll was the breath of fresh air that restored my confidence in the mortgage industry. She was so efficient, timely, and thorough, I absolutely have nothing negative to say. She stayed in touch with us every step of the way. The entire experience was worry free thanks to Cheryl's expertise and focus on our wants and needs. I recommend her to anyone buying a home no matter where they are located in the United States.