Residential Savings Mortgage, Inc.

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This was a seamless experience Michael Carmell at Residential Savings Mortgage handled it quickly, professionally and most importantly I had no surprises! I really appreciate all you did to move this along! You were on top of my request from the start and I am amazed at how fast it moved (15 days from start to ready to close!)

Being I am in the banking industry I see these deals go wrong and sideways all the time, but I have to say this was a very pleasurable experience. Thank you for taking the time and for being so diligent, quick, not at all pushy, and for providing various options.
If I had to rate you I would give you an 11 on a scale of 1 to 10!

Thanks a million

I contacted Mr. Ganofalo for a mortgage refinance and he and his company made a good job for me.

They were great overcoming all of the hurdles of getting me a mortgage to refinance my house; this is the second time they got a mortgage for me.

Best mortgage experience ever. I have taken many mortgage and never has any company come close to their level of service. Tahir is fantastic.

Very smooth. Really well.

I was initially dreading to go through the process of refinancing.  The last time i did was over 15 years ago.  The opportunity was too great to pass up.  My inital mistake worked to my benefit.  I requested information on line and got a slew of calls of companies interested to take on my refi (or should  i say call centers!).  I thought they were all the same and then i spoke with Michael Carmell of Residential Savings Mortgage out of Fort Lauderdale.  He is low key, very informative, no pressure professional that was a pleasure to work with and speak with (as well as educate me on the current market).  I am a CPA by profession and still when it is a personal investment, you become very cautious.  He has tremendous patience and yet a sense of urgency when necessary.   I asked for multiple scenarios (i.e. taking cash out of the mortgage, different mortgage rates and terms) and he happily sent me all the different requests.  We would then speak about my goals for the refi and his professional opinion on which option would best serve me.
His turnaround time from the request to closing was very fast and there were no surprises. I put zero as the cost of service since i did not have to pay closing costs or go out of pocket for anything other than the appraisal fee (about $475) as everything else was built into the loan.  As a matter of fact, on the 3rd business day i recieved the proof of wire into my account (for additional funds i added to the refi) as well as the pay off for my first mortgage and my Home Equity LIne. 
His team is solid.  Attention to detail impressive He coordinated the appraisal and then the closing (at our home!) and it was done so easily i could kick myself for not refinancing sooner. I read so many horror stories of people that had gone through this process and i am happy to say i found a great financial partner in Michael.