Our realtor Dace at O'Keefe 3 Percent Realty recommended Charmaine to us. We are thankful to have worked with Charmine. With Charmain's help, we were able to understand the preapproval process easily and had successfully acquired a good rate while keeping our mortgage payment within a comfortable range. Charmaine had our interest in mind and planned out everything based on our abilities to make sure we are committed to an affordable and comfortable long term financial plan to own our first home. She was professional, exceptionally efficient and made the whole process easy. We have been recommending her to everyone we know and will continue to do so! Thank you, Charmane!