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Mr. Appleby has come to us highly recommended and I can see why. We meet with him at his office and provided us with great service and a smile and wore his funky running shoes. Not sure why other had a different service but ours was very pleasant., even with our mortgage broker, Peter stepped up to handle things for us and the outcome as great. We must have drilled him so many questions , as one should with an investment that large to make. Peter Don't change a thing and make sure you keep doing what your doing sir.