I would like to recommend Bill Malamut for anyone seeking a mortgage!! When I got married over 20 years ago, we were scared of the entire mortgage process. Bill explained everything to us in detail and it really "made sense". We feel fortunate we found Bill because since that time, we bought a vacation condo in Florida! Our two children have also used Bill for their mortgages and both of their processes couldn't have gone any smoother. All our transactions closed as scheduled and were very easy. Our realtor has also been using his services since he was so responsive and thorough. Highly recommended!!!