Robert Cullen

We worked with Robert Cullen for mortgage of our first house in Canada. He is extremely knowledgeable and provides you the best solution. He helped us to secure the rate we were looking for and helped us extensively throughout the documentation process. Highly recommended. Thanks! - Anita Yadav

Rob was 10/10 support after receiving less than ideal rates from my bank. Assisted thoroughly from start to finish - Stratton Townley

We renewed our mortgage through ratehub and the service was seamless. We have used them since they operated under their former name Canwise, and the service level and responsiveness have remained excellent. - Colin Baird

Process was very smooth and hassle free. Robert was so responsive for all my queries. Overall very good service - Mani Kandan

Best in the business! Robert Cullen not only finds you the best rates, but also the best term structures overall. It's clear they are working for the best interest of their clients vs. what products get them the best commission / finders fee. - Matthew Alexander

Robert was a huge help and got us a very competitive rate. Highly recommend! - Diana Birsan

100% will work with Mr. Cullen from ratehub. 10/10 experience. - Chris Golle

3 weeks agoNEW Ratehub didn’t push us into anything we didn’t feel comfortable with just asked us what we needed and what we were comfortable with and found the best rates and terms. They helped us understand all the fine print, broke down the pros and cons of each lender and let us decide. We are very happy with their service. Our second time using ratehub. - Chad Driscoll

Very positive experience. All questions answered and made the whole mortgage approval process efficient and problem free. Thanks so much Robert Cullen at Ratehub.ca! - Samantha Beddows

This year was the third time we used their service for our mortgage. I worked with Robert Cullen and he personally guided me through the entire mortgage porting and application process, giving me extra tips and suggestions. Last time, two years ago, there were some hiccups and stresses with the buyer of our previous house's financing. Robert also guided us through that on the mortgage front and we made it through without any issues or losses. Mortgage processes can be painful, but he made it the least painful part of our moving. Would definitely use his service again next time! - Jeffrey Ho

Extremely satisfied with utilizing Ratehub for my mortgage process. Robert was a great help at guiding us through the process, providing advice on rates/options, and their online mortgage payment calculator we probably visited 100+ times during our process. Highly highly recommend! - Brendan Hamilton

Robert was very helpful right from the start. I was changing my mortgage lender and he gave me all the information I needed to make an informed decision to help me sleep at night. I highly recommend Ratehub. I’ve used them a few times now and I’m always happy. - Heidi BD (HBD2011)

Great Service! Our agent was very responsive and worked towards getting us money back. - Alex Levesque

Wish we had known about this pain free process when we first bought our home. We worked with Robert Cullen and it was smooth sailing. He didn't recommend anything unnecessary and no false promises. Very straightforward and responsive. Gave us realistic expectations and clear instructions on how to go about the paperwork. The application process was ridiculously simple. Robert was also very understanding of our concerns with the fast changing interest rates and found us the right product to renew our mortgage. The signing process was also very well organized given that it was done remotely. Would recommended 100% - Nayanashri T.A.

Robert Cullen is a legend. Got everything done in record time and with as little stress as I could imagine. Thanks Robert! - Jason Galea

Great experience working with Robert Cullen at Ratehub! He answered all our questions promptly, and made the process for acquiring a mortgage run smoothly and stress free. Would highly recommend working with Ratehub! - Victoria Scott

Rob Cullen helped me throughout the mortgage process and he was extremely helpful and proactive. I would highly recommend. - Daniel

We worked with Robert Cullen and hands down the best broker! I have already recommended him to a couple of my friends and will definitely recommend to everyone else. He worked with us tirelessly and make sure our deal goes through smoothly and reassured me countless times when I was stressing out both with looking for a house and selling. We have worked with another broker from our first house and had such a bad experience but Robert definitely changed our perspective with going through a broker. He explained the whole process, the differences on all of our options and was just great with all of our questions and very personable! Will definitely work with him again. - Gem Escandor

Had an excellent experience using this service. Renewing my mortgage was made easy and the process was extremely efficient. Would highly recommend it! -Nurhan Buyukayna

Worked with Robert Cullen on our mortgage renewal. Excellent service and very responsive. No complaints. - Oliver Wilkinson

We are first time home buyers and had a lot of questions regarding mortgage borrowing especially in these uncertain times. Robert Cullens was very responsive to all our queries. We worked with him for over four months and he has been very patient and also provided the best possible rate in the market at the time. We sought his valuable insights on many house related topics even outside of just mortgage eg: final walkthrough checklist, is the breakdown of lawyer fees looking ok to what brand of lock to put on main door etc. And he has always provided an impartial view. I would definitely recommend him to anyone looking for mortgage.

We are first time home buyers and first time mortgage borrowers. Because of Robert we were able to successfully find and secure the right mortgage for us. It was a smooth process without any surprises. This would not be possible without Robert, he patiently answered all our questions and shared his valuable suggestions. We feel very glad and lucky to have worked with him. Would definitely recommend him for any one looking for mortgage. - Sudha Varanasi

I've gotten 3 mortgages with them now. Each time very competitive rates and have been extremely helpful with each step. - Joshua Ernewein

Rob Cullen helped me through an application process, found me good rates, and was so helpful even though we didn’t proceed. A year later we decided to go ahead and he did the same. He was flexible and patient with changes we needed made, responsive to questions, and knowledgeable. I will definitely contact him again for any future needs. - Oliver Romaniuk

CanWise Financial is by far one of the best mortgage agencies that I have come across and had the privilege to work with; all the members that I have come in contact with have been very professional and helpful. I have worked with Robert Cullen in obtaining my mortgage twice and each time he made sure that all my questions were answered, we even booked extra appointments so that I would make an informed decision. Robert has been patient, informative, and made sure that I got the best interest rate each time I worked with him. That being said, I'm looking forward to doing more business with Robert at CanWise in the future! - D H

Robert Cullen was our contact person for Canwise. We had never gone with a broker before and always went with the bank. We are very happy with Robert, he kept all of his promises to us and got the job done. We informed him of a number that we wanted for refinancing and he delivered. We recommended him to family&friends. Thanks Robert for all your hard work! -The Ocampo’s - Cee Ocampo

As a first time home buyer, canwise financial was great to deal with! Robert from canwise walked us through the entire procedure step by step, answering all the questions we had along the way. They were also able to get us a really low interest rate with a well known lender. Highly recommend using canwise financial - Adam Godfrey

Great service provided by Robert. Took lots of time to explain everything along the way, and was very knowledgable and friendly! - Colin Adams

I had the pleasure of working with Robert Cullen. As a first-time home buyer, he was thorough and patient with answering all of my questions. He came highly recommended by a friend and did not dissapoint - JP DL

I have nothing but praises for Robert Cullen. He walked us through all the steps in finding the right mortgage for us. - Rodolfo Sienes

Robert Cullen was the mortgage agent that helped me get a mortgage in potentially the shortest time that anyone has ever needed one. My fiancé and myself did not expect to buy so we hadn't thought of getting pre-approved, but we found a place we instantly liked, with a great price and just jumped on it. Throughout the entire process Robert was there to guide us, help us, and get us the best possible rate. He was communicative and constantly checked in with me to make sure everything was done on time. He even worked till very late to secure us the rate he did. I not only highly recommend CanWise for anyone looking to get a mortgage, but also highly recommend reaching out to Robert. - Chris Wilczewski

I was doing rate shopping for a mortgage for a new house, talked with a few banks, CIBC, Scotia, etc., Was using ratehub to do comparisons and saw CanWise as an option. Submitted an application with CanWise and got paired with Robert who found an extremely competitive rate. Dealing with him was a breeze (was much easier than dealing with the bank directly). What resulted was a very smooth transaction and Robert brokered a better rate than what I could find myself with TD. Very satisfied with the experience and outcome, I'll definitely use them again when it comes time for a renewal. - Matthew Lymer

The process has been efficient/speedy in all aspects and Robert Cullen was responsive addressing all my questions on a timely manner. - Sue

Rob couldn’t have been more patient with me while I asked him many questions. He really goes through everything and explains things so that you can understand. - Liz Laporte

Robert Collen and the team at canwise are first class. I did three transactions for the last 12 months. I got the lowest rates in the market! And the best products for my situation He took all the stresses associated with mortgage transactions. He resolved the issues I knew about and all the other I didnt behind the scenes. The appreciate the customer service. The timely responses, managing the communication with key stakeholders such as the banks, lawyers and appraisers. I highly recommend this company. I have shared my experiences with my professional and personal networks. -Jeremy James

Robert Cullen helped us securing a very good rate for our mortgage renewal switched from another bank. He was transparent, his responses were swift and he made sure he addresses our needs and concerns. Everything was handled professionally so the whole process was made very smooth. We couldn't be happier and would not think twice about recommending him to anyone who needs help with their mortgage. - Jack Hsu

Had such a great experience working with CanWise Financial on securing a mortgage on my first property! Being a first time home buyer, our agent Rob was extremely helpful and made the whole process go very smooth and was able to secure a great rate on top of that. - Em B

Robert Helped me to renew my mortgage and found me a great rate. I renewed early and still saved a lot of money compared to what I was paying previously. This is the second time I have worked with CanWise Financial and I have been happy with their service both times. They made things easy and transparent. I recommend them if you are looking for help. - brent Baker

Excellent service… these folks are the best in the business and I highly recommend Robert C and his team for your mortgage needs. - Navraj Bal

I had my mortgage with canwise. Robert cullen helped me with the entire process. The process was smooth and they got me approved really quick. I was confused about going with big banks or canwise but at the end i chose canwise and i am happy with it. Great work. - Nikita Jain

Save yourself the hassle of comparison shopping and having your credit pulled by half-hearted banks, and just go with CanWise. They found me the best rate, the best terms and conditions, without forcing me to jump through infiinite hoops. Robert Cullen simply offered me the best that he could from the beginning. There was no pleading or could-you-do-better? He explained the mystery of mortgage fine print, arranged a bridging loan when my dates didn't line up. He worked on tight timelines with great efficiency. CanWise is exactly what I hope for in a financial institution. - Ian Williams

Robert Cullen was extremely helpful. His professionalism made the entire process a pleasure. I recommend him and CanWise to friends and family. - Daniel Flint

Robert Cullen from CanWise was very professional and patient. He was resourceful and helped me to secure the mortgage that best suited my individual needs. I greatly appreciate his consistent dedication to his work and assistance in making my home purchase a smooth process. Thanks so much Robert - Mindy Duey

Our advisor Rob was kind and helpful through a long process of purchasing our first home. - Denzel Green

It was a good experience working with Canwise(Robert Cullen). They got me competitive rate of interest than what i was getting in the market and helped me in every query as I am a first time home buyer. Though the process took little more time, it is not an impact but something they can work on. - Manpreet Bhatia

Robert provided excellent service and appreciate all his help to get us approved and provide the lowest rate possible. - Jean-Marc Brunet

After 2 mortgages and one refinance, Canwise and Robert Cullen is definitely my first choice when seeking a mortgage broker. Robert is a very knowledgeable and professional guy and always take the time to the answer all your questions and explain the application process in simple layman terms. I feel very confident dealing with Robert, as I feel he is genuinely working in my best interest and getting me the best rate that's out there. I highly recommend Canwise and Robert Cullen in particular, for all your mortgage needs. - Ralph Tenn

Very impressed- highly responsive, and sensitive to our multitude of questions as first time home buyers. CanWise helped us to get the lowest rate once we were ready to commit to our home! - Brooke Cooper

Bryan worked to get me a considerably better rate than all of the major banks I had contacted. He was extremely knowledgeable and explained the ins and outs of my mortgage. I never had any problems contacting him via phone or email, he was always available. I would recommend at least inquiring with CanWise if you're shopping around for a mortgage. UPDATE: Now 5 years after I initially posted this review I did my mortgage renewal through CanWise. They got me a very competitive rate again and reached out to me months in advance of my renewal date. The renewal process was made much easier than I though it would be, thanks again! - Brent Meadows

As a first time home buyer, it can be overwhelming trying to process all my applications through closing. I felt blessed working with Robert Cullen, who went above and beyond with my mortgage application. He was always open to explain information in detail and got me an amazing rate. Robert's client-centered approach and professional advises have impressed me in every way. Great team, great people, great service, and great rate. 5 stars from me! - Jnn D

He has very good knowledge and right info

Robert Cullen was an absolute pleasure to work with. Truly excellent. Lightning quick response times and moved the process along seamlessly. Robert was very helpful the entire time. I was very impressed and would recommend him and Canwise to anybody. Thank you again Robert and Canwise! - Ninad gorde

My fiancée and I recently purchased our first home and CanWise Financial was incredibly helpful throughout the entire process, walking us through everything since we had no experience. Quick and clear responses to questions every time, would highly recommend! - Colin MacKenzie

Worked with Robert Cullens, he educated, informed and definitely went over and above. I can tell that he highly regards his clients and his duties. Will definitely work with him on future financing needs. - Bill Tran

Very happy that I chose to go with CanWise! Great customer service, quick to answer my questions with good advice and received a great rate! Would highly recommend them! Much easier to deal with than the bank. - Derek Wilkinson

Incredibly responsive, professional, knowledgeable and honest service! Robert Cullen was great to work with and made the whole process simple and ultimately effective. I'd highly recommend CanWise and Robert to anyone looking for mortgage advice! - Derek Johnston

Our Mortgage Agent Rob was always prompt to respond, got us a great rate, and as first time home buyers did an excellent job walking us through the process. I would recommend CanWise to anyone looking for a professional service and the best rates around! - Andrew Eagen

CanWise was recommended to me by my Real Estate agent when I was shopping around for mortgage. Robert has been a great partner from the start and was able to guide me in each step, which was very important to me as first-time home buyer. During the process, he was always responsive whenever I have questions and also very knowledgeable as we reviewed the different options available. I definitely recommend CanWise, and Robert in particular, if you’re looking to partner with a mortgage broker. - Mark Dela Paz

We shopped around for the best mortgage rate. This was one of three brokerages that claimed they could get us the rate we wanted. We worked with Robert (who was awesome). He delivered what he promised and made the whole process streamlined and hassle free. Robert was easy to reach for help with our questions and all of the correspondence between us and the bank (TD) was handled by him. - Commission for their fee is paid by the lender. - They get you an amazing deal. We were impressed and would go through Canwise again in the future for refinancing. Would recommend! - Chris O'Henly

Robert was a dream to work with - kept things tracking as promised and made the whole experience enjoyable and stress free. - Matthew Gibson

We dealt with Robert Cullen, and found him to be very knowledgeable and professional. He helped get us get the best deal by far on our re-finance. - Andreas Gibson

Not only we secured the best rate, but Robert, our broker, is an excellent professional. He explained everything carefully and was able to advise on every step of what otherwise would have been a rather stressful process. Excellent service! - Ilja Ferbers

I had a great experience with canwise and their representative Robert made the whole process very easy for people like myself with no prior experience in borrowing for big loans, our home purchase loan was taken entirely from start to finish by canwise and I will work with them again if I need to. - Suresh Kumar

5 Star rating - Darcey Mercier

Would highly recommend using Canwise. Robert was incredibly informative, responsive, and most importantly got me an incredible rate on my mortgage (which was significantly better than my major bank was quoting me directly). - Carson Lambert

Always sends in mails to keep in touch

5 Star rating - Judy Stamp

Robert Cullen was an absolute pleasure to work with. Very professional and responsive. Secured us a great rate. Would definitely use this broker again. - Michael Prokop

We have bought and sold many times at this point in our lives, but we were on a mission to make the move to the dream home and Robert Cullen was by far the greatest we've ever worked with. He had a deep knowledge and understanding of the various lenders and was able to ask special permissions for sliding scale allowances on a rural property given his personal relationship with some of the underwriters. If you are ever in need of a mortgage, ask for Robert Cullen! We highly recommend him. Thank you! - Tara O'Rourke

I'd highly recommend CanWise Financial! I recently secured a mortgage with Robert Cullen of CanWise Financial. All of my previous mortgages were with the same bank so I was a bit uncertain at first but Robert walked me through everything in an easily understandable way. His service was professional and extremely responsive from day 1. The process was smooth with Robert and CanWise arranging for the appraisal and everything else required, with frequent and clear updates to me. The rate I received for my mortgage, and the quality service will definitely have me coming back. Thanks Robert! - Sandra Malcic

Robert was helpful in obtaining the best current rate and explaining how a mortgage broker works. He also explained the conditions of each mortgage type in order to select the right one for me. I found him trustworthy and recommend him. - Kate Eese

I would like to thank Canwise and especially Robert Cullen from the bottom of my heart. Rob made a seemingly difficult process a breeze, right from our initial contact upto the closing. Rob made the process as much pain-free as possible putting all our doubts and fears to rest and also helped secure the best possible rate. We will definitely be reaching out to Rob and Canwise for our future mortgage needs and will recommend to our friends as well. - Nithin Alex

Robert Cullen was the best mortgage broker to work with for our first home. He guided us and walked us through the whole process from start to finish, even after we got the house he was always available to answer any queries and keep us informed. he's very knowledgeable and I would highly recommend him if you're going to go with Canwise . Thanks Rob ! - Shrikar Khare

Robert was very helpful and dedicated in ensuring that our mortgage refinance process was smooth and successful. I had a hassle-free experience getting this done thanks to you with a great rate too. I highly recommend CanWise financial… - ayodeji ali

Very efficient.

Great

Reached out right away

A very efficient process. Great timely service with results that I was pleased with.

great so far

Great experience. Contacted several brokers and Robert C was the best rate and service of them all! - Kevin Kernohan

RateHub is the best source for rate comparables.

ok

He was fine, but difficult to reach.

Well spoken, quick to reply back & super informative!

Quick response

Professional and prompt service

Great to work with and got me an incredible rate I never could have negotiated on my own! Rick Byers

Helpful

Robert was quick to respond and very helpful.

I’m happy. Interested, understood the background and present situation brief I have, we moved on to solving the problem.

Professional, explained what he is going to do

We have used Rate Hub in the past and where very pleased with their services.

Agent is great... Stays tuned in though he might not have great news every time he calls :-) Robert comes across as a very knowledgeable person in the business and does not hesitate to provide advice where needed.

Very happy with service so far!

We have bought and sold about 7 times now, and I wish that we came upon such an amazing brokerage and agent sooner. Robert is incredibly responsive, eager to get us the best mortgage possible, and very pleasant/ easy to discuss our options with. We will definitely be using Robert again in the future! 10/10

Very responsive, clear, detailed, and cooperative.

Robert Cullen did an amazing job - he was very helpful, professional, and thorough. He helped us to get a mortgage without all of the headaches and hoops that other companies want you to jump through. He also had a somewhat tight deadline (3 weeks till closing date) to make it all happen! We could never say or do enough to show him how much we appreciate all that he did to help us through this whole process. Thank you so much!! Michele Freele

Great!

CanWise was my last "due diligence" call before making a decision on who to go with. I was pleasantly surprised at how I was received. I'm very glad I made the call. Robert C was amazing. He was relatable, transparent and left me feeling that he was actually looking out for my financial well being. A process that is never "fun" was instead informed, communicative and positive. At minimum, put a call in. You may be surprised! I had a great experience. Thanks Robert and CanWise Pry Bar

Friendly. Guided me well through the process

Worked with Robert C who is a fantastic professional providing me with everything I needed quickly and efficiently. Will use Canwise again. Michael Konon

Did reach out to me to provide rates.

Exceptional service and attention to detail. Robert had a great understanding of the different options available and was able to advise me about how things have changed since our last mortgage application 13 years ago.

.

Berry personable and helpful!

Impossible to reach. Never called back in spite of having left VMs and sent emails

Excellent service

Easy to use website. I asked him a simply question and recieved what seemed like an automated response. I don't have time to be called over what I asked.

Professional and knowledgeable agent. Very helpful person.

Love how you response so fast and the rates are so good and I'm looking forward you can help us for the renewal...for sure I can recommend your sites...Keep up...

Prompt callback

He was very informative. Would recommend

They were able to find me the lowest rate possible which is all you really want. And they were extremely friendly, responsive, and professional to deal with. I would highly recommend them and especially Robert Cullen as he made the whole process very easy! Jacob Chlebicki

He is good, but not doing the follow ips

Friendly, helpful and quick.

Right amount of follow ups when he didn't hear back from me. Answered my questions AND laughed at my bad jokes. Great to work with.

Very nice and informative. I may have the wrong Robert as I didn't write down his last name.

Good conversation very knowledgeable

Using rate hub to refinance mortgage

I haven't personally spoken to Robert as I don't have a specific need at this time , however based on his promptness in messaging me and sending information, I was impressed with service and responsiveness.

Very knowledgeable

Fantastic and timely response to the inquiry.

Very knowledgeable

my appologizes i think it was Robert. was very professional and knowledgable.

Basically he made me feel like he could care less about my business. Do i need to say any more?

Easy to use web site, and up to date. A lot of information comes together here. Robert was very prompt in returning my email with a phone call.

Robert was very clear and professional in advising me on the right mortgage for us

Knows the business and understands the market

Helpful and not pushy

Very responsive, not too pushy. Will reach back out when ready to pursue a mortgage.

Robert has diligently followed up so far and has provided very helpful advice to date.

Excellent customer service! He is patient and very knowledgeable!

Very informative and good advice.

Quick response.Professional

Didnt read my emails

helpful and responsive

Very knowledgeable agent

After a number of attempts (and days) have yet to talk to an agent. Either agent called at an inconvenient time, or didn't call at an agreed time, or didn't respond to my voice mail.

Robert was very polite, professional, knowledgeable and easily understood everything he explained to us.

Knowledgeable and assisted very well with my renewal questions.

I tried a few mortgage brokers before settling on CanWise. TD offered high rates, while other brokers would only offer lower rates if I said I could do better. CanWise offered the lowest rate to begin with, and was very responsive to questions, making the process as painless as possible. Galen Hogan

Very friendly and helpful.

First time home buyer, CanWise was a huge help in working with me to figure out what worked best for me. Robert Cullen walked me through the process and gave me great options to choose from. Getting a mortgage isn't fun especially if you're not super familiar with it but everything was explained very clearly and I never felt lost on what the coming steps were. Definitely recommend these guys! Victor Wong

Timely responses. Answered all my queries with pertinent information. Thank you.

Prompt response and answered all questions that I had. Also emailed exactly what I would need to start the process moving forward. Dave Pearsall

Excellent experience dealing with Rob. He was easy to get hold of answered all my questions promptly in easy to understand nonmortgage lingo terms

Engaging and consistent

Never met tanyone

I had the good fortune of speaking to Robert about my mortgage. I was undecided whether I should renew or refinance. After learning my situation, he gave me great advice. I am extremely grateful!

Robert was extremely knowledgable and efficient in determining whether or not it made sense to break my current agreements for better interest rates.

Very polite and answered most questions.

Have not heard back from him since the first contact to confirm any available rates.

Polite, asked good questions and thanked me for my interest. Great customer service

No issues

Quick and easy process. Agent was knowledgeable and very accommodating.

Extremely knowledgeable and helpful

Prompt in calling back

Was prompt at calling... Although no other offer apart from the advertised . So didn't quite change my decision.

Knowledgeable and responsive.

Very professional and he contacted me right away

Very prompt service & best rates in the market

Provided info in a timely manner. Reached out multiple times to follow up. Unfortunately, we were committed to our bank at this point and didn’t follow up.

He was very courteous and his explanation was clear.

Robert was fast, understanding, and extremely helpful. He gave great advice on how to navigate mortgages and answered all questions thoroughly. I was very impressed and relieved that he was able to take my case. I will recommend him and this process in the future! The follow up after we put in an offer to a home was also appreciated!

He reached out promptly and followed up professionally. I ended up renewing with my current lender, but was happy with his customer service.

Robert did reach out to me we spoke at length on my currrent plan he seemed very experienced.

n/a

Conscientious and prompt attention.

Very fast response and keen to help.

Robert made me feel at ease despite my anxiety about the mortgage process.

Great to work with!

Rob is very knowledgeable and friendly. He was able to answer all of my questions and provided additional very useful information based on my requirements.

very customer oriented person,getting a feedback quickly and follows up with you.

Knows what he's talking about and how to be flexible to meet my needs

Robert was really helpful in getting me my mortgage. I'll highly recommend ratehub.ca and continue using it for the best financial options.

Rob has been very thorough and prompt. He even gave me some advice from his previous work experience which I appreciated

Good knowlege and information provided during our phone conversation.

Great at providing clear facts. No nonsense or sales pitch

Quick response & knowledgeable

He was very good in customer service. Gave all the information I need. Send necessary document list in less than 5 minutes which was so fast service ever I received. He is perfect in his job.

Robert Cullen

Robert is very knowledgeable and was extremely helpful during the process. He made sure to walk me through the steps and provide relevant information to assist me in making choices on my mortgage. Looking forward to continuing to work with him once I find the home I am looking for. Thank you!

Rob was very helpful and I look forward to working with him

Great Mortgage agent

Forthcoming

Returned my call promptly. I decided to renew with bank so there was no further communication.

Has good knowledge and helpful guy with the right solution.

Very helpful and answered all questions.

Great