I just wanted to say thank you to Fahad Karamat for helping me get into my first home. Fahad helped me through the entire process of finding the right loan product for me and my situation. Being a first year resident this was my first job after medical school and being a first time home buyer I had limited knowledge about home loans and what type of mortgage I should get. FHA, Conventional or what? Fahad was very knowledgeable, thorough, and provided me with many resources and worked with me to come up with an action plan. He was able to get me into a loan with only 5% Down Payment with NO PMI. No Monthly Mortgage Insurance with only 5% Down Payment. He advised this was a better option as oppose to going the FHA route and having the ongoing monthly insurance premium and the upfront premium on top of that. I got a great loan with low manageable monthly payments without having my student loans count against my debt ratios. On top of that I was in my new home within a month of starting my first job at the hospital! Without Fahad’s guidance I would have been bouncing from different lenders trying to get a loan considering my situation and missing the contract deadlines and losing out on my home. I highly recommend Fahad Karamat as the loan officer and lender who can get the job done right the first time with great amazing competitive interest rates. Fahad is a true professional!