Paradigm Quest

Andrew Wong provided excellent service and highly competitive rates when we renewed our mortgage. We will be using Paradigm Quest again.

I'd give 10 stars if I could. Starting in 2016 their customer service and attention really began to excel. They are by far superior where Merix has really made my mortgage simple, requests are easy to turnaround, everything is transparent and easy to understand unlike the other banks. For someone who is not financial savvy, they break it down in simple speak, and as a whole I ask them for their best possible recommendation and their best interest to make my life easy. You'll get through to a personal mortgage broker who has history of your file and can speak directly to your account; unlike TD who I've dealt with who have been horrible unable to answer why my mortgage or payment amounts change and you end up calling a call centre of unknowledgeable representatives who don't have an answer for anything, and then send you to a branch. Merix will send you regular communications on interest rate cuts, or FYI if things go up. TD Bank didn't do that for me and left me overpaying on a variable rate almost 35% more than I needed at a cash strapped time (Covid) when I asked for flexible options to reduce or defer payments. Merix can hands down turnaround things where TD can't; such as my requests for payment history and amortization schedules. Merix rates are competitive, mortgage renewal specialists are very good to me in the 10 years of my account and on the ball to the last hour before renewal date to see what best rate they can get for you. Phone calls to customer service is super easy and even a direct number to your own mortgage renewal specialist you can call at anytime with questions. I'd port over any mortgage I had to Merix anyday and in my case away from TD Bank who could not even confirm the most basic of needs of my interest rate details and principle interest payments. Merix customer service agents get it like you're talking to a real person and will escalate your suggestions. TD simply is a scripted call centre who will simply nod and say they're sorry they can't help you then send you into a branch - as if anyone even goes into a branch anymore. A little thick with the compliments, but being able to compare two mortgage companies/banks I notice a huge difference and test both to see how their abilities to respond - Merix can action a task in one call less than three minutes and emailed me the complex schedule of documents immediately, where TD had to send me to different departments and into the branch to get an answer and they still have never been able to get what I want. If I were an employee of TD Bank in mortgages or call centre customer service I would be embarressed by the inability and lack of resources to do my job. Do yourself a favour - if you're close to the end of your mortgage anywhere else, in the last year, or even now, check out immediately the possibility of switching over and applying with Merix. Don't tolerate bad and incompetent service elsewhere. If you work for TD Bank, leave. I'm that impassioned over the ordeal. Thank you Merix for making me so happy over and above. Wendy and Marouane you know who you are. Good job.

If I could rate zero stars I will... As a mortgage broker I will never deal with Paradigm Quest or any of their affiliate companies again (Manulife, Merix, etc.) Everyone there is incompetent and unable to grasp simple concepts. Mortgage brokers BEWARE AND STAY AWAY FROM PARADIGM QUEST!!!!!

1 star is generous. 6 months prior to my renewal date, Lendwise told me they would happily transfer my mortgage to their company upon renewal. I provided all of the paper work and two weeks later I was refused for an $80K mortgage. Other banks approved me for $400K investment income mortgage so the Lendwise/Paradigm formula does not make sense or they are confused. Fortunately I had another option in my back pocket as my renewal data is around the corner. Poor, unreliable, and slow service. Best to borrow elsewhere.

Great experience with my mortgage renewal;would strongly recommend this financial institution; A big thank you to Selena who made it seem effortless, for me.

Our mortgage was up for renewal and I served fast and helpful and clear guidance from renewal agent Sarah Cleghorn. She answered my questions and sent me all the documents I needed. I was very pleased.

Great renewal agent Sarah Cleghorn. The review is for Paradigm Quest, Fantastic and efficient service

Sarah Cleghorn was exceptional to work with. And Paradigm Quest I've dealt with for years and every time I've went too renew my mortgage and checked with other lenders their rates have been equal or cheaper than other Lenders. Thanks for the Great service!

Mortgage Renewal: The whole process was well organised and simple to execute. The agent concerned, Sarah Cleghorn, was helpful and quick to respond. A pleasure to deal with.

Wow I have gotten the best customer service from Paradigm Quest and Canadiana Financial over the past 6 years since 2013. Just today Cassie helped me with planning a new application. I really respect a company that offered such great service and delivers on their commitments

I had a great experience with this company. Karen was my representative through the whole process. I d totally recommend them for any financial needs.

Leanne was knowledgeable and very supportive! She provided me with everything I needed and provided reassurance by clarifying what is involved in discharging a mortgage. Thank you!

Fantastic customer service. Jake Walton made our mortgage renewal process a remarkable experience.

I have bought and sold real estate for years and have been so impressed with how Merix/Paradigm has handled my requests. I very happily continued to renew through Sarah Cleghorn and have found their rates and service to be excellent. In particular, I found that they were the most "nimble" and motivated when it comes to working through the options to do with rates, prepayments, etc. In contrast, I am dealing with two other "Big" Canadian banks that have been horrible.

I had to deal with this organization on a grandfathered mortgage and attempted to work with them on an additional transaction. The sales reps no-show'd for multiple meetings and did not follow-up on my request. Their ambivalent requirements & process changed and ultimately wasted my time as I had to track them down and follow up just to be told the information they gave me from the start was completely incorrect. The rates may seem attractive, but if you can, go elsewhere. This company is also co-branded as Canadiana Financial - watch out for either.

Sarah has been extremely helpful with our renewal and the changes to payment frequency! Really happy with the service.

Smooth, excellent renewal at a great rate. I wish they had an internal website portal, but they are very responsive over email so it makes up for it. Great experience working with Selena S.

Very friendly staff! Wanted to give a very BIG thanks to Tai Pham who is such a friendly and intelligent professional, for his professional approach to the issue I was having with my payments schedule and for his prompt resolution! I felt I was appreciated, and taken care of.

Merix might be the worst organized company I've ever dealt with. My mortgage hasn't even funded yet, and this organization can't manage to do the simple tasks it takes to have mortgage instructions sent to my lawyers. I, as a client, have spent hours on the phone with them trying to get them to do what they promised to do days ago. Long story short - This company is a nightmare. Take this warning and sign your mortgage commitment with anyone else.

a big thank you to Selena for the follow-up and professionalism

Renewed our mortgage. Got a great rate. Great people on the other side. All in all this was incredibly painless. Thank you Hiba Essarafy for your help!

I have been calling Paradigm Quest, every single day, for 11 days. Their voicemail is full, they are not responding to emails, and as a result, we are in limbo with respect to our mortgage during this critical time. My peers and family members bank at TD, RBC, Scotia, and Vancity and are all reporting that they were able to get thru to their bank just fine. I cannot believe how bad the service is here, my wife and I have been a customer for 9 years.

Worst underwriting department in face of planet. Forget to send instruction to solicitor, reviewing documents couple of days, issuing commitment 7 days. They have serious issues.

I spoke with a customer services agent named Ismat Gondal. I had previously emailed this company an inquiry in the spring, never receiving any response. So with that experience I wasn't feeling valued as a customer. But after calling for the first time today and speaking with Ismat I feel reassured I am doing business with the right company. She not only fixed my current issue but also advised me how to proceed with a further request I had.

Not the best, stay away if you can. I was asking for important documentation of the mortgage due to urgent issues and after telling me it's put on escalation, it's been over a month and nothing. I work in HR and I've never seen an escalated matter be so casually taken. I requested for Carolines manager Dennis of which she provided the number, after calling and leaving two voice messages a week apart, the calls are not returned. They're quick to reply initially, but all talk and very slow in action and then take forever to respond or get anything done. One exception of Cassie was nice. She understood and apologized because she could tell my frustration. OVER A MONTH SUPPOSEDLY ESCALATED MATTER! Their internal process needs review, turtles have moved faster. I wouldn't even give one star if I could but I had to in order to write a review.

Worse experience in my life !! 3 months to refinance, wrong documents sent to my lawyer twice. Danielle is very hard to connect with doesn t answer emails for weeks, doesn t return phone calls . Gives wrong information in emails, constantly gets dollar numbers wrong . She blames everyone for her delays , credit team, email issues, lender, lawyer . She doesn t take responsibility for her mess. She is a disaster and very unorganized. Will never use again .

Great mortgage company to deal with. Offered us a great rate upon renewal and the whole process was very efficient and pleasant to deal with. Kassandra was very pleasant and answered all our questions. Highly recommend!

The underwriter did not send instructions to my lawyer when I wanted to port my mortgage to a new property. I had given them weeks in advance to do this and followed up with them every 2 days. On my closing day, I asked them to expedite the request and they said it would take another 5-10 business days to do so. Really horrible service.

Very fast to respond and always a pleasure to work with!

Ismat Gondal assisted me with a rushed payout! Thank you for your kind help!!

Karen Pankratz - a mortgage adviser with paradigm has been a breath of fresh air to deal with. She is knowledgeable in her area of expertise, she replies quickly to my emails - (and there has been several). Ensuring I understand the process and am in the loop at all times!. I would highly recommend her services and expertise! Wonderful experience this far!

Mortgage renewal is a stressful time. But thank you to Sarah Cleghorn it became a stress-free experience. She has been helpful, professional, direct to the point, thorough that she will not miss addressing whatever question or concern you have or a point you raised, will try to accommodate your requests, and gives the impression that she is having fun helping you. Thanks Sarah!

rating this company and their renewal rep Sarah Cleghorn as 5 stars for ease of renewal, knowledgeable rep, and great customer service. Not to mention the 5 star rate I received as well. Its been a pleasure doing business with you

My wife does all the correspondence and when she contacted customer service via email for certain queries she had, they came back very quickly with the answers and if when she had more questions they did not delay in their response. From the emails very personable, receptive and quick

We give five stars to Paradigm Quest and to our mortgage advisor, Karen, for the excellent service they have provided for our refinancing needs. Thank you, Karen, for taking the time to explain and answer all our questions!

Sarah Cleghorn of Paradigm Quest, the servicing company for all NBC Special Division mortgages, was great to deal with. She was professional, efficient and very responsive to our questions as we entered into our next mortgage renewal term.

My recommendation is to Stay far far away from this mortgage lender. Low feature mortgages with high penalty fees imposed.

Excellent customer service, dedicated staff, patient and very courteous. impeccable service in French and a special mention for Sanae! Highly satisfactory experience, THANK YOU!

I would like to thank Jake Walton from paradigm quest for his follow up conversation regarding my experience with this company . He listened and made notes, was compassionate and apologized for any bad experience I encountered with my Broker. It s not often a company takes the time to review and correct any issues. It was refreshing to know that there are companies out there that do care about their clients. Thank you again Jake, your a stand up person . I will consider future business with your company.

I worked with Sarah Cleghorn at Paradigm Quest Inc. (service company for all Merix mortgages). My experience was very positive, excellent service, rapid response time, and kindness makes me feel happy that I have a financial institution that I can count on in this difficult time!

I had the pleasure of dealing with Selena S. whose professionalism and willingness to patiently answer all of my questions was very much appreciated. My positive view of Paradigm is directly related to my experience with Selena. Thanks again for everything.

I worked with Kassandra Felix on my mortgage renewal and she was extremely helpful, proactive and provided great insights. I truly appreciated her support as we were all living under the cloud of uncertainty during COVID-19. Would highly recommend her and use your services again. Thank you.

Great Company and love speaking with their customer service persons. They really take the time to listen, resolve any concerns, provide in-depth services, advise and alternatively other options. The Service adviser was patient. attentive, and it felt as though I was speaking to a family member who cares.

Small junior company with friendly staff in customer service but incompetent loans. do business with them at your own risk. I have done business with this company through Multipret. Everything was fine for 6 years until refinancing. It is at this point that I realize too late that their loan officer "Melissa B" does not have the basic experience to make a mortgage. Result at my appointment at the notary for signature the lender is aware of an error (Mr Cerro de SimpliciT) and simply asks us to resubmit the request. So I have to pay the notary and I have no excuse from Melina or her superior. I am understanding when employees have little experience but there was no effort to fix their mistake. No compensation or rate discounts are offered. So I transferred to another bank which by the way gave me a better rate.

We have been dealing with this company for 6+ years and recently refinanced our mortgage. It was such an awesome experience. Thanks to Johnny Tella who made it happen without any hiccups. It was a pleasure dealing with him. He's the man!!! Thanks for making it all happen.

I called them with a concern, spoke with Brandi and she helped resolve the problem while on the phone. Excellent customer service!

Did not pass mortgage details to lawyer until too late to close on closing day, even though they had all of the information from myself and the broker weeks in advance. When I called to find out where the shortcoming is in this process I was told that its standard practice to wait until closing day to provide the lawyer with mortgage details. They have charged me for a bridge loan I am not using as I won't be able to get into my new house until at least two days after close. Fortunately I allowed 3 days to move or my family would be homeless right now. Avoid Dominion Lending and Paradigm Quest unless you want months of careful planing thrown out the window by these corporate hacks.

I'm dealing with them right now and can already tell it's going to end up as a nightmare. Underwriter cannot read and clarifying every part of our application!

Kudos to Wendy for her assistance with my renewal. She took the lead and kept me posted with rates. Thank You Wendy.

I had planned to move my mtg elsewhere until I spoke with Johnny. He was fantastic from the start offering great rates and exceptional customer service. He is the reason we stayed and has been such a pleasure to deal with from start to finish! Johnny your AMAZING! Thank you for all you did for us! Cheers!

Great experience working with Selena Sherstone on our mortgage renewal! Selena made the renewal process very simple and we got a great rate. Thank you Selena for you help and experience! Paradigm customer service is also very helpful and respectful, we are glad to have our mortgate with this company

Terrible. I was a customer for 5 years and on my renewal which I am tranfering to RBC they are not sending the required statment to close the mortgage fast enough. DO NOT GO WITH THEM.

Great company with strong levels of customer services. Very happy with my experience with Paradigm Quest. I worked with Brandi Dennis who was a pleasure to work with. Very helpful, understanding, and professional. I would highly recommend.

Super easy to renew. Fantastic rate. Couldn't be happier with the interaction between myself and the staff. They were very professional and carried out my request in minutes.

Our mortgage was up for renewal in December and Sarah Cleghorn made our renewal process as simple and painless as possible. Great experience and would recommend Paradigm in the future.

We've been with Merix for over 10 years now, and have never been disappointed with their service. Competitive rates. And most recently, Selena provided top notch service as we renewed - always prompt in response to inquiries.

I don't know how I ended up with them ... in either case I bought a house 6 months ago and like any other house purchase I had to provide a fire/home insurance policy before signing which I did. After 6 months they called me to ask for a copy of this fire/home insurance policy because they don't have it otherwise they'd charge $150 a month. In other words, customers have to pay for Merix's mistakes. They simply could've asked me for a copy of this document without threatening clients with charging money.

I work for a law firm and I would NEVER recommend this company! The run around you get will be unbelievable and you as the client are not their priority!

I had never gone through a mortgage renewal before and was a bit nervous about how the process would go. Turns out, the process was easy, quick and PQ offered me an incredibly competitive rate, far better than what any of the big banks would do. Selena Sherstone was my renewal contact and she was simply wonderful. She was very flexible, patient and responsive with all my questions - and easy to reach via email or telephone. So if you're shopping around for a mortgage, remember there are lots of options beyond the big banks. You will likely get better rates, more flexibility, and better/more attentive customer service from mortgage companies like Paradigm Quest. Thanks again to Selena and PQ for making the process so seamless!

Terrible customer service. Stay away from this mortgage lender.

Working with Sarah Cleghorn was refreshing. She is very prompt, efficient and answers all your questions. Thank you so much Sarah. Sincerely, "Ignore the Rain, Look for the Rainbow"

if you were going to deal with anyone from here, you need to deal with Jake Walton. He was able to help me within mins and even reached out to my lawyers office to confirm and send them the papers that they needed. Thank you again Jake for all your help !! this company is so lucky to have your working for them.

Coincidentally Sarah C. phoned me on the same week I was shopping for a renewal given the unprecedented fixed rates in June 2020. Having done my market research, she was able to sway me away from HSBC and requote me a competitive rate. I was also confident with Sarah's handling as she was knowledgeable and responsive to my emails and during the call she listened to my concerns about Canadiana Financial lack of communication. I'd say do your homework, get a knowledgeable renewal agent and if your incumbent mortgagor has competitive rates stick with them as the process and fees are much easier to stay than switch.

Customer service is great and very responsive. Clear and quick answers to all my questions.

absolutely 100% worst mortgage company ive ever used.... can barely understand their customer service department... and you get no help AT ALL VERY VERY DISCUSTED by their service.

Great service a specially thanks to Selena Sherstone!

Very pleasant experience. Their customer service representative went above and beyond my expectations. Provided a professional advice in a timely manner, that allowed us to manage our finances more efficiently.

Sanae was an absolute pleasure to work with. When I was told I could not be approved for a mortgage from one employee, Sanae went the extra steps and got me approved. Great follow up and went the extra mile. Hope to stay with Paradigm/Lendwise for the remaining term. (2018) Update (2020), when it was time to renew my mortgage I ask if I could refinance to pay off some debt. And the mortgage specialist assigned to my file actually told me it was a waste of time. Said they would not pay for the appraisal. Or tryed helping me in any way. So, I took my mortgage over to Cambrian credit union. They paid my appraisal fee. Found out my house was valued $32,000 over what paradigm valued it at 5 years ago and gave me the funds I needed to get out of debt.

I'll refer to her as super Sarah Cleghorn. I wasn't even looking to do anything about my mortgage. A situation cropped up and my phone inquiry, turned into a significant number of e-mail threads, over a two week period. Also notable, this challenging time. Sarah is knowledgeable, thorough, efficient, and patient. No question I asked or information I needed confirmed, seemed to be too trivial and was responded to in a very timely manner, detailed with humility and humour. I would absolutely recommend Sarah. She is an asset to her company! Tamara

I cannot say enough about our mortgage renewal with Lendwise. The process was simple and straight forward. Their rates are very competitive and Sarah Cleghorn was more than a pleasure to deal with as our renewal agent. Sarah went above and beyond of what was expected of her and we definitely recommend anyone considering a mortgage with Lendwise to ask to speak with Sarah.

I have had a mortgage with Meridex for almost 10 years now, and the entire experience has been so easy. The renewal process is absolutely painless, and if you ever need to reach out to anyone, the customer service is phenomenal. Thank you!!!

Received excellent service from Ms. Kassandra Felix. Very polite, knowledgeable, prompt and honest. Thanks to Ms. Kassandra Felix and Paradigm Quest Inc.

I have been a client of Paradigm Quest for almost three years. A couple of years ago a friend of mine mentioned Lendwise Mortgages and I was weary to go with this financial institution. My credit was slightly bruised. Paradigm gave me an excellent rate for my mortgage - better than what my friends had at the major banks!! Paradigm was able to close my deal quickly and completely hassle free. They followed up with me to see if I had any questions or concerns about my mortgage. Over the past couple of years I have had to call in to inquire about my mortgage or understand the product as well as change the date for my mortgage to be withdrawn. The customer service representatives have been very polite and professional. You can move your mortgage date at any time without any hassle or penalty. There are no long wait times to speak to a representative. Recently, I sold my home and I had the major banks begging for my business. It was tempting to leave but I decided to stay with Paradigm. This summer with the huge change in the market, I had trouble selling and buying. I committed myself to a home without selling mine first. The market dropped and I lost 100K on both homes. The home I purchased had dropped in value and Paradigm, under rare circumstances, ordered a second appraisal. Thankfully, it came in higher and they were able to provide me with a mortgage. It took them basically just over a week to get the loan funded. I have never been happier! Paradigm has made my dreams come true. I am in my dream home!!! I hope to build a long lasting relationship with them. I am an extremely proud client and I personally recommend this financial institution to anyone who is looking for a personal and intimate experience - something you may not get with the bigger banks. They offer competitive rates and top-notch service! I would like to give a special thank you to Rachelle, VP of Operations and Customer Excellence. She absolutely helped seal the deal! PARADIGM you get 5 golden stars from me!

I am not sure if this is the right place to Voice my gratitude or not but just wanted to give a shout out to the customer service that I received. What started out as an awful experience quickly turned into an experience much better than I could of expected. from the first moment Adam Mawji called me, he was excellent at explaining to me the situation that had transpired. After that phone call I was ok. He did not have to call me back the next day nor was he supposed to. But he did and had a solution for my family and I to better our mortgage situation and asked if I would be interested. Of course I was!! For that I am extremely thankful. Your customer service responses from Anthea and Amy were always in a timely manner and a pleasure to deal with. Mortgage is renewed and our payments are lower than expected. All is good. Thank you again.

We greatly appreciate the help of Hiba for the renewal of our Mortgage. She helps us a lot and make our renewal very easy. Good Job!

Had a great experience with Kassandra Felix at Paradigm Quest. She informed me of my up coming mortgage renewal in advance and gave me options as to what would be the best choice for me to renew my mortgage. Once signed she kept me inform of the changing interest rates and in the we adjusted the mortgage rate 3 times and got locked in at a crazy good rate. Very grateful for her help and keeping my best interest and money safe. A nice and easy renewal process.

Karen Pankratz is my personal mortgage advisor at Paradigm Quest Inc. She has excellent work knowledge and experience. During my home mortgage process, whenever I needed help or had any question, she answered it in detail and with patience. I enjoyed working with her. Hope she will assist me in the future for my other business requirement. Paradigm Quest Inc. is my home mortgage provider for last 11 years. Recently I changed my home but staying with Paradigm Quest Inc. because of excellent customer service and best rates in the market. Regards

If I can give this Mortgage Company a ZERO star rating I would. This Private mortgage company is a complete joke. In a nutshell my Mortgage was set up through a broker (I have perfect credit rating) and I guess he sent my application to WealthLine because he gets paid a higher referral fee. I did proceed by getting a Mortgage through WealthLine and after reviewing their contracts, I have noticed that there are HARSH Penalties for paying off the mortgage early. We are talking THOUSANDS of dollars. I still decided to continue with them because I was not planning of paying it off early and was not planning on moving anytime soon. So 4.5 years later which is now I get an email from Kassandra from WealthLine mentioning that they can offer me a renewal rate of 2.69% which is not really the rate because I was looking to Refinance. I clearly mentioned that I am just inquiring about rates and refinancing. Kassandra insisted I set up an appointment to talk to Karen. What Kassandra forgot to mention is that WealthLine Mortgage is pulling your credit bureau for the appointment. I was just inquiring about rates and not applying..... Why is WealthLine pulling by credit bureau again when I clearly mentioned I am inquiring about a few things. So now I have an unnecessary credit inquiry from this company on my credit bureau. I complained to Denis which is management and his response is that their Legal team looked into this and that WealthLine Mortgage can run my credit anytime they want because its in the original contract I signed with them. What a Joke...... Stay Clear from this company. Walk into a regular bank and get qualified with a transparent Mortgage company and stay away from this one.

excellent experience both by email and by phone. Kassandra was very pleasant, patient, and helpful. Renewal was done with very little stress and was completed quickly

Very satisfactory experience, professionalism and efficiency were there !!! ABSOLUTELY NOTHING to envy traditional banks. Thanks to Selena for the great support !!!

Marouane helped us renew our mortgage. He was very professional and kind. Managed to get us a great offer and always kept us in the loop. Will definitely go with him next time! - Samira

I have had the pleasure of dealing with Karen Pankratz and I can't begin to say how helpful she was: from the first email I had with Merix which connected me with her, she was helpful to the end. She provided step-by -step assistance throughout the porting of my mortgage and responded quickly to emails with guidance and patience. I would highly recommend anyone who deals with Paradigm to contact Karen for a supportive, thorough and seamless transaction.

I had such a great experience renewing my mortgage. Brandi was so helpful and patient with me. She answered all of my questions thoroughly and very promptly. I felt that as a client my business was valuable, and getting the best rate for my mortgage was as important to the Paradigm team as it was for me. Thank you so much!!

Sarah Cleghorn was my renewal agent and made the entire process extremely easy and was courteous and professional.I would recommend Paradigm quest for a quality lender with very competitive rates and great customer service, been a happy customer for 10+ years! Thank you and again I would very strongly recommend to anyone that is considering A real estate purchase or remortgaging a current property!

i was dealing with ANDREW WONG , first i was not sure if i should renew my mortgage by email, but as i was dealing with ANDREW i find out that the level of service was beyond my expectation, he helped me out to get a good interest rate and i think he convince me to stay with the comapny , andrew is a smooth person to deal with and he was available every time when i asked him a question, i highly recommend him if you are renewing your mortgage he understands customers needs plus the inner working of the mortgage industry, if you are looking for a fantastic customer service and just be happy client , just go to this person.

Amy Wolanski and Edem Kisse were instrumental helping me with admin errors on my mortgage. They turned a frustrating situation in to a postive experience.

Great Service, Excellent rates, very adjustable to my hopes and needs.

Bad and slow customer service, got mortgage from them through my broker, will never do any business with them anymore.

Working with Paradigm has been a great experience. Our renewal agent, Cristian Cal, really took the time to help us through our options and helped us get a great rate. He was very honest in his opinions. Exceptional service. Great rates.