As a Realtor I work with a lot of lenders, but I needed to write a few words of my amazing experience with Kristian S. Pretty sure this guy doesn’t have a shut off switch. Rarely do you meet a lender that you can reach day or night, even on the weekends. Not once did he miss my call. Also his knowledge on the financial industry is second to none. Not sure how he always manages to make it work for my clients, but does every time. Two thumbs up buddy, thank you again.