Sandy Kay has a very warming, effortless but nevertheless strongly focused way to make a positive outcome. Her negotiating skills with all parties involved is straight forward, pushing if necassary for results and relaxed enough when something is burning. A very great mentor to have through complicated loan applications/negotiations. SEVEN STARS!!! We had one of the most complicated loans one can imagine and thanks to her positive persistance we were able to make it. Thank you Sandy that you made it possible and despite the difficulties - smooth enough!