Mr. Kares handled the origination of our home loan for our Florida home and the refinance of our cottage in Michigan. He handled both transactions like an expert and made our experience very favorable. He is a true professional and highly knowledgeable of the mortgage lending process and industry. I highly recommend him for your real estate mortgage financing needs. Likewise, I look forward to working with him in the future. He is the kind of true professional we all enjoy working with and he will exceed your expectations.