Adam was great. I am a commercial lender, have been in the banking industry for 30 years and have several friends in the mortgage industry. However, when making a decision on which mortgage company I would choose for my personal mortgage, I decided to look at all my options which included internet offers for best rates, terms and fees. Although I was a little apprehensive in selecting a mortgage company from the internet, Adam's professionalism and knowledge provided a comfort level in selecting Cardinal. He did what he said he would do and his follow up and follow thorugh was excellent.