Carl Casperson provided me with great service, a very competitive rate and has been a great professional resource for me and my clients. As a real estate agent, I work with many lenders and few provide the quality of service and attention that Carl and American Federal provide. Thus far, I have personally worked with Carl on one purchase loan and two refinances for my home and investment property. I trust him to work for me and I have referred many clients to him who have been thrilled working with him. I have confidence in Carl and AF, and only refer clients to vendors that I know will offer excellent service and constant professionalism.