Our mortgage was up for renewal just around the time when the pandemic lockdown hit. Originally we met with Carmelo in person to discuss some options. As my wife and I took the time to decide which option was best for us things were locked down due to the virus. This presented some brand new challenges as these were unprecedented times. However, Carmelo guided us through with ease and made things very simple. His professionalism, knowledge, and willingness to adapt was incredible. Highly recommended!