First time I have purchased a home as a single person, not only did I move to a different state, I built a house with and end-loan mortgage. Michael was very patient with me, explained all the steps, and when we ran into a problem, he solved it immediately. He was very responsive and looked out for my best financial interests all the way. Highly recommend him, and he was highly recommended to me by my son, who has recommended him to his sister-in-law and best friend. He is our "family" guy to go to for a mortgage.