We were well into our loan and just about to close when we decided to call and ask some questions from another broker.  We called and Mike was the one to take the call and thank goodness. After just a few minutes on the phone, we realized that we should meet with him and see what he has to offer. An appointment was made and Mike presented us with a Good Faith Estimate in writing for us to keep and compare.

We did not get a Good Faith Estimate from the other broker but two items stood out from Mike's proposal. Mike's Good Faith Estimate showed a loan amount that was $6000 less and the interest rate was almost 1% lower. Also, the other broker was putting us into a 2 year fixed loan with a high adjustable rate margin and a pre-payment penalty. Mike's loan was a 5 year fixed with a much lower adjustable rate margin and no pre-payment penalty.

Needless to say, Mike got our business. What surprised us most was Mike didn't take advantage of the situation. Mike could have gotten a higher rate and higher commission, saved us one or two thousand dollars and charged us a couple of thousand more for himself. We wouldn't have known. He did not and this is my we are making this statement.....Mike looks out for his clients and so does his loan officers.

In todays volatile real estate market it is nice to know we have service with honesty and integrity that I can count on when needed. That is what I always get with Mike Girard.

From meeting with us on weekends and evenings, to being by our side as we signed our final paperwork, Mike Girard Jr. has been with us all the way. We did not realize how thorough and positive our experience was until we exchanged stories with other friends who were first time homebuyers as well. Comparing these other experiences to AGM, there is no doubt that AGM will outlast many of their competitors through their genuine thoughtfulness and willingness to exceed expectations.