Mike Kinard was amazing to work with. He went above and beyond what he needed to do to make sure that I received the best rate possible. He constantly kept in contact, and was a pleasure to work with. I went with Universal Mortgage 3 weeks before my closing, and even with very little time he was able to get me a better rate, and money back for closing. He works harder for his customers than most people I know, and I will continue to conduct business with him for every real estate purchase from now on.