“We strongly recommend Michael Ciardi, Mortgage Originator of Carefree Mortgage in Stuart, Florida. Michael provided individual and professional attention throughout the entire loan process, and it didn’t stop there; Michael followed through to the end and was with us at the closing to make sure everything went smooth. Michael is very knowledgeable regarding regulations and requirements needed to qualify for a mortgage; he guided us through the process and was always available to answer questions. We were very fortunate to have Michael Ciardi as part of our team.” Daniel H. and Darline C.