My husband and I have worked with Sal for many years. Due to the long established business relationship my husband had with him, we have also referred many family members to him, and now a second generation of family is using Sal’s services. As the rates have dropped over the years, everyone has gone back to him for the lowest available rates for refinancing. No one has left Nautical and gone with anyone else but Sal. He is genuinely concerned about his clients, and will follow up later if he knows a better rate can save you money. Sal always could secure the best deals that no one else could match. My husband passed away, and I am refinancing now. Due to a very complicated situation, Sal has gone well above and beyond to help me, and has been beyond patient in his dealings both with me, and on my behalf. He is always accessible, positive, ethical, and friendly.