"Sam Panis made this loan process a pleasure. He is to-the-point, honest, knowledgeable, and extremely efficient. Being a busy person, myself, I very much appreciated Sam's approach to handling the loan process. He was able to help me navigate through the complicated maze of requirements, saving me time and effort where he could. Additionally, Michelle Barber was instrumental in making the closing process smooth. The next time I need a loan, I will try to work with these two individuals before anyone else."