I am an Army Veteran and had credit issues. I wanted to purchase a small piece of land with a manufactured home. Saif Kovach was an adamant professional and guided me along every step of the way. He was patient when needed and politely pushed me when I needed to get on the ball or if an item had an urgent timeline. I would highly recommend is services and Community First National Bank to anyone that was in the market for a home loan and especially if anyone is using a VA home loan benefit.