Carl and his team are absolutely amazing to work with. As a realtor, I have worked with multiple different lenders, and Carl is absolutely the best. What sets him apart is not only his vast knowledge of different lending programs and guidelines but most importantly his willingness to be patient and listen to my clients. We have worked together with very well-qualified clients, and we have worked with clients that need to work on building their credit, saving for a down payment, etc. Carl is one of the most patient people that I know and does not view my clients as just another transaction. He genuinely cares and wants the best for them no matter how long that process might take. I recommend him to anyone who is looking to purchase a home, refinance, or just has questions in general. You won't be disappointed.