I just wanted to thank you, Vance, for all your hard work in refinancing my home after financing it originally just a few months ago. I work in commercial real estate, and I am often appalled at the lack of professionalism, knowledge and ethics on the residential side. You are quite the exception. Of the many brokers, banks and S&Ls I called to obtain financing, you were the only one who was direct with answers and no "BS". Also, you had the best rates. But you made it very easy, handling all the details, and stayed on top of everything down to the last detail. You did a fantastic job. It is nice to see someone take such pride of ownership with their work. It goes without saying that I hope to have the opportunity to recommend 1st Residential Funding to others. I am sure you will have continued success and I hope to actually meet you in person someday.

W. Stan Kramer
Acquisitions Manager,
MIG Realty Advisors

We are sending you this letter to commend the work of Debbie Biechele. Her efforts in helping us obtain a loan were exceptional. So many times we only take the time to document those things that displease us. This lady has made such an effort to help us that we felt compelled to recognize her and draw attention to her work. Her knowledge, courtesy and dedication made her far superior to the competition. In this hectic market, Debbie was the only one to take the time to cater to our needs and make us feel special. Couriers to expedite documents, late evening phone calls to supply answers and thoroughness all contributed to this success. No bout, we will surely be a good reference for her and will refer all of our friends and associates her way. Once again, thank you and well done.

In the half-dozen or so closings Julie and I have been through, this was by far the easiest. Closing was a breeze and we were in and out in about 45 minutes, despite my numerous questions. We definitely will refer your company, and Laura, should the opportunity arise. Thanks again for making this normally stressful event enjoyable!

Mike Smith
Engineer,
Lockheed Martin

Laura, I don't think I had a chance to thank you for your assistance with the purchase of the condo in Miami. I really appreciate your professional and courteous attitude. It made a big difference. I will be sure to call you again when I am ready to look at other real estate in Florida.

Eduardo Paiva
Technical Director,
Oracle Corporation

My wife and I have used 1st Residential Funding for several mortgages over the past five years. In addition to our own personal mortgage business we have referred at least 20 of personal friends who have used 1st Residential. We have the utmost confidence in their staff and have no hesitation telling everyone about the great service and competitive closing costs. Each and every loan has been on time, painless and their estimated closing costs have been right on the money. Doesn't get any better when it comes to the mortgage process.

John and Andrea Kemp
John G. Kemp,
Senior Manager, Security Services
Lockheed Martin HR Services

Vance, thank you for all your kindness and for all the help you have done on getting us our home. You are just wonderful! We wish you the best in all you do. God Bless.

Gary King and Christina Damon
Tavares, Florida

I have had extremely good experiences working with 1st Residential Funding. On two separate occasions the mortgage process was handled in an extremely professional manner. Mike Martin provided me with very competitive rates and excellent service. With no origination fees the decision to choose 1st Residential Funding as my residential mortgage lender was easy. I have recommended 1st Residential Funding to my family and friends who were in the market for residential mortgages. In all, 6 closings were finalized and both family and friends were completely satisfied with the service. It has been my experience that 1st Residential Funding is a very honest, ethical and professional organization. They delivered on time and at the interest rates quoted. The paper work and all aspects of the transaction were completed in a timely manner.
I would strongly recommend 1st Residential Funding. I can assure you that I will continue to do business with the firm in the future. In the Orlando area there are many residential mortgage lenders to choose from. I suggest that you call Mike at 1st Residential Funding and discuss your needs. You may discover, as I have that just a simple phone call can save you thousands of dollars on your home mortgage. Money saved each and every month.

Joseph Degano
Safety Manager,
The Boeing Corporation

Just wanted to say "Thank You" for meeting our closing date and making everything so easy at the last minute!

Jeff and Lisa Fike
Chuluota, Florida

Two years ago we refinanced our mortgage through 1st Residential Funding in Oviedo, Florida. We were very pleased with the service we received from 1st Residential Funding mortgage specialist, Mike martin. Mr. Martin was extremely courteous and pleasant to work with during the loan process. He followed up on all of the details, kept us informed and secured a very competitive rate for us. In fact, when the rates dropped again just recently, we didn't hesitate to call on Mr. Martin. We weren't disappointed. His rate was competitive enough to allow us to take cash out for a home improvement project and shave 3 and 1/2 years off the life of our loan with only a slight increase in our monthly payment. We'll save thousands of dollars in interest off the life of the loan.

J. Robertson
Chief, Central Budget Office,
NASA-Kennedy Space Center

We are so pleased with the prompt attention, honesty, and competitive rates we received from 1st Residential Funding that we would recommend them to all our friends! Debbie was upfront with us so we knew exactly what to expect at closing. She was so attentive to us that we felt as if we were her only clients! 1st Residential Funding made refinancing so easy! Thank you so much Debbie!

Pete and Cindy Coultas
Agricultural Engineer,
Duda

1st Residential Funding did an outstanding job handling the refinancing of our home. From the first day I called, Debbie was extremely efficient. She sent out the entire package that I needed the same day that I called and everything down to the closing was handled quickly and professionally. I would highly recommend this company to anyone buying or refinancing a home.

Beth Scuderi
Technical Specialist, AAA

We selected 1st Residential Funding for the mortgage on our home because their interest rates and closing costs were much lower than the other fifteen mortgage companies we had contacted. Our mortgage agent, Lynda Danna, was extremely helpful, knowledgeable, and willing to go the extra mile to make our closing as inexpensive as possible. Her pleasant nature and sense of humor was especially refreshing. Since we feel our mortgage was handled in an expedient and professional manner, we highly recommend 1st Residential Funding.

Tammy Chesser Yapaolo
Senior Staff Performance Analyst,
Lockheed Martin
Tony Yapaolo
Manager, Oracle

The time was right to consolidate my 1st mortgage along with my equity line. The fees the local South Florida banks were adding on were outrageous, so I decided to use the Internet and found Lynda Danna. She not only had the lowest rate but lowest closing costs too! The best part was There were NO surprises at closing. Lynda was not only honest, but also helpful and always available! The whole process was done via computer, phone and overnight mail and took less than 3 weeks from start to close! I have since referred three other educators and two close friends. They were as thrilled with Lynda's honesty and service as I was! I highly recommend Lynda at 1St Residential Funding, Inc. to anyone who appreciates integrity and honesty when doing business.

Alynn Rose
Teacher,
Miami-Dade County Public Schools

Lynda responded to our mortgage needs as if they were her own. She provided timely and accurate information that made our closing incredibly easy. There were NO hidden costs or unfulfilled promises either! I will continue to recommend my friends and co-workers to Lynda.

Scott Barbato
Financial Analyst,
Progress Energy Corporation

I have only wonderful things to say about Lynda Danna. Since interest rates are low I decided to get on the internet to do some research and found Lynda. Not only did she get us an excellent rate; she mailed all of our documentation overnight so there was no delay. Lynda also found us a local title company to close the loan and in no time we are saving $250 a month with a great low fixed rate! My wife and I have already recommended her company to many of our friends and co-workers, and would encourage anyone to benefit from her expertise and professionalism. We will keep sending people your way!

Bruce Kindall
Aerospace Engineer,
Northrup Grumman

As full time Real Estate Professionals for many years our pride and commitment has always been to our clients and their best interests. The staff at 1st Residential Funding shares our interests and beliefs. Our goal is to find the lowest interest rate with the lowest closing cost for our client with no surprises along the way. Time after time 1st Residential has fulfilled this requirement. Their honesty, continuous communication, accessibility and commitment to service us and our clients is unmatched in the industry.

Pat and Ray Biechele,
Real Estate Team, Coldwell-Banker Realty