HIGHLY RECOMMENDED!! There are no words and not enough gratitude can be given to Manny for what he has done for our family. Manny highly exceeds expectations to fulfill your needs, and tailors the mortgage to get exactly what you need. Manny takes customer service to a whole new level, guiding you through the process in a efficient yet direct manor, but makes you feel at ease when the stress gets high. His experience definitely shows every step of the way, able to answer any and all questions and having solutions on the spot. Our family thanks you for the new beginning Manny!! Rob F. and Leslie N., St. Thomas