I have worked with several out of State banks for the last several years, and have never had such a great experience working with Saif. He was on top of every detail and kept everyone informed at all times. He is very knowledgable in all aspects during the loan transaction. He went above and beyond throughout the process. I would highly recommend him to another customer. Thanks again Saif. David Campbell, Realtor, Century 21 Farm and Forest Realty, Derby, Vt.