I can rate him for 10 starsss. We started February for our first application, was declined with 4 banks, waited again and everything He said, I just followed. We had it again last November. With the 7 applications, finally one bank gave us a chance, Sam was so stressed and very patient with me. He can do the impossible to become possible. Big thanks again Sam Patel. For without your expertise we will not have our First Home ever🥰