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I had a terrible experience with another lender not being forthcoming about fees and aspects of the home buying process (I was a first time home buyer). I needed a way to avoid getting burned financially and at 18 days away from closing I was hesitant to switch. I started looking around online. Lending tree put me in touch with Todd Kangas at North American Savings Bank. Not only was he able to drop my interest rate by almost a full percentage (the best out of over 30+ lenders), but he and his team were able to close within 18 days... in the middle of a pandemic... with a federal holiday wrapped into the mix. Todd was extremely professional and tackled every challenge with expertise and transparency. If you value honesty, ability, and your hard earned dollars, trust Todd Kangas to handle the financing of your 15-30 year quarter of a million dollar commitment.