Craig Carmichael

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Craig, Thank you for being a great lender and getting Alex to the closing table on time! It was wonderful working with you and hopefully we get to work together again soon!

If your looking for a house this is where you should go. Craig helped us in every way he could and now we have a friend for life. If we need to buy another house we will be calling him again. We would recommend anyone to Craig and his team.

Craig was very friendly throughout the whole lending process. He was able to answer all of our questions and did so in a manner that we could understand. Additionally, he made himself available through email/phone and was open to all forms of communication and replied in a very timely manner. He was the best!

Craig was able to get us approved for more than what the lender that we previously worked with had. Whatever issues arose he and him team along with my realtor were able to counteract them. He was very detailed in explaining things, we did not have to ask what did this or that mean because he would explain it completely. Very nice to work with and will use him again.

Craig went above and beyond to keep us in the loop during the entire home buying process. He would always keep us informed on the timeline of projected due dates.

I can not say enough amazing things about Craig. His dedication alone to help strangers fulfill one of the most memorable moments of their life is unsurmountable. For me, this was my first home purchase, unusual circumstances, both personally, and due to the CoVid-19 Pandemic our nation is currently in. Craig never once faltered. This was my first experience, but rest assured Craig will be the only lender I will ever use, or recommend. If your looking for a lender that is all heart, and cares about his clients, not just their loan number he is the lender to choose. I would never have done this without him. Craig is a person that truly loves what he does, and that shows with every email, every text, and every phone call.

Craig helped us refinance our home loan last year and again this year. He is super professional, always available, very knowledgeable, and helped us feel comfortable with the entire process. I highly recommend his services!

He answered every question I had. Extremely prompt with everything. Went above and beyond to get all the information I needed. I would recommend him to anyone looking to be a home owner.

Craig provided excellent customer service throughout the entire lending process. He communicated clearly and worked diligently on our loan. Because of Craig, our new home not only closed on time, but early. He was a pleasure to work with and we will be reaching him exclusively for all of our future mortgage lending needs.

Craig was very thorough, and explained each step to Michael (a first time home buyer). Even though the move was 5 hours away, Craig ensured we could close on the house while we were on vacation! It was so easy to work with Craig, and we will definitely use his company again. He even set Michael up with a very knowledgeable realtor who lives in the area Michael moved. Thank you Craig for all of your hard work!

I reached out to The Lending Tree after the loan officer I've worked with locally for years could not get my loan on a $1.2m home to with lenders he works with. Craig was one of the first loan officers to contact me. I discussed with him how the othim lender did not want to utilize my overtime and bonus earnings year-to-date along with averaging it with the last 2 years because it was usually high in 2020. He contacted his underwriters immediately and I sent all my income documentation and Craig obtained a pre-approval immediately. Once all income, assets and property documentation were submitted, he had an approval within days. As we maneuvered through the challenges of a new construction property and a hard builder and listing agent to work with, he pressed hard to get them to get the home completed quickly as they sputtered to complete the home on time. No other loan officer would have assisted in that instance. I know; as I myself, have been in the mortgage industry for 29 years. Craig is a top notch, second to none loan officer who cares about his clients personally and professionally. 5 stars to Craig!!

Been through MANY closings and Craig has facilitated BY FAR the smoothest mortgage loan experience. He is always encouragingly calm, has a ready solution for any issue that might come up due to his decades of lending knowledge and experience, and makes sure things go smoothly. His communication is spot on and he made himself available any time for questions or issues. Very personable, fair and on top of his game. Will definitely go with him again.

Craig is communicative, prompt, and professional. When faced with a last minute fall through with another lender, Craig was able to create a solution that resulted in me getting my preapproval for a traditional loan product the day before a holiday. Him personal investment in a successful result was apparent in every step through closing, including a careful monitoring of interest rate conditions to make sure I got the best deal. My daughter and I are now settling into a very special home and we are very grateful for the service we received.

Craig worked with me to refinance my home. He was very attentive, knowledgeable and responsive. Would highly recommend Craig and his team if you need assistance with new or refinancing.

My wife and I are incredibly happy we had Craig to help us through the lending process with buying a house him in OC. As first time home buyers, we had a ton of questions. Craig was able to get us all answers we needed within minutes. He had a solution for every issue that came up during the home buying process. Not only does Craig have a deep understanding and experience with mortgages, he is also able to give advice on matters that aren't directly related to the lending side. That as well as his ability to communicate effectively throughout the whole process resulted in us getting a loan approval even before inspection and appraisal contingencies were removed. Craig will be my first choice for all future mortgage matters!

Craig was very helpful with walking me thru the steps of what I needed. He went above & beyond. I would definitely recommend him. He did an awesome job!

Craig was excellent at answering questions and leading us through the documentation process. We appreciate him efforts to get us an amazing rate and lower closing costs

We applied with Craig to refinance our first & second mortgage and to payoff some credit card debt. He was able to lock in our low rate and help us thru the process. Craig was available any time I called or emailed and this included evenings and weekends. I have already referred him to a family member and I would recommend him to anyone looking to purchase or refinance their mortgage.

My experience with Craig was one of the best service based transactions I have ever had in any line of business. Communication was not only timely but very organized. They truly care about YOU as a customer and it shows in every step of the process.

Out of four pre-approvals, Craig was the only one to pick up the phone and call me. He explained everything and worked around my schedule. As a first time home buyer, I had a ton of questions and he answered them all thoroughly and with patience! I can guarantee that if I buy another home, I will be calling him.

Craig is an incredible professional who is responsive, organized and who has great local knowledge in the Sarasota, Bradenton and Tampa area. There were a number of times Craig "saved the day" with him cool head, experience and pCraiglem solving abilities. For this I will always be grateful. Craig, was always there for guidance, reassurance and simply to answer those loan, financing and processing "for dummies" questions. I cannot recommend Craig and UFFExpress highly enough for any home financing or mortgage needs.

As a first time home buyer, I feel like I got quite lucky with having Craig as my lender. I entered the process with hesitation. I'd heard stories from family and friends about the many pitfalls that can be involved. Having gone through it, I understand what they were talking about - but I didn't experience much difficulty myself. Craig is extremely knowledgeable in the mortgage and home buying process. He was responsive, communicative, and able to thoroughly answer all of my questions. Overall, everything went smoothly and I ended up with a great interest rate. I definitely recommend Craig to anyone who is looking for a lender!