Excellent customer service. Tellers were efficient and polite. The bank manager greeted me and…read moreasked if there was anything they could help with today.

We discovered Arlene over 20 years ago when we were trying to buy a building lot. At the time I was…read moreliving on a boat and my wife was employed seasonally in landscaping. The banks laughed at us. Even with my sister offering to co-sign they weren't interested. Arlene put together a creative package where my sister took out the mortgage with the bank and we had a second mortgage that piggy backed on my sister's mortgage. It got us started.  Fifteen years later we were ready to buy a rental house and we found one in bankruptcy. The problem was that it did not have an occupancy permit since it had never been totally finished. The banks won't touch a house without occupancy. Again Arlene (now with Carol helping) devised a scheme in which we obtained contractors quotes to complete the work needed to obtain occupancy. These quotes and the money needed to pay them were held in trust by the bank. This way the bank could be assured the house would have an occupancy permit and we got our mortgage.  Arlene changed our life. The first loan gave us a place to live and the second one ensured our retirement. The mortgage packages Arlene put together were complicated and time consuming yet they were for relatively low dollar amounts - I would be surprised if she was making much more than minimum wage for all the time it took her to put together those two mortgages. She did it because she cares about people. Sometimes guardian angels are found in the most unlikely places.