Paul Cargal and his team are absolutely fantastic! We turned to Paul for a mortgage consultation because of the high closing cost breakdowns we got from other lenders; and he relieved us from that concern. The application process went extremely smooth and transparent; Paul’s assistant Micah kept us well informed on each document needed and submitted, as well as what the timeline looks like. They also did an excellent job in helping us collect the missing documents. My husband and I were able to close the house only two weeks after we came out the due diligence period (two weeks earlier than planned); and we cannot achieve this without Paul and his team’s knowledge, experience and dedication. Thank you for such great service!