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Mike was exceptional to work with! He is very responsive, knowledgable, timely, and accurate. I originally was working with a different lender, but I decided to switch over to Mike and it completely changed the game for me. This was my first home purchase and Mike thoroughly walked me through the entire process leaving no questions unanswered. From the first phone call, I knew Mike was the lender for me. Very thankful for his knowledge, time, and patience. Highly recommend, especially for first time home buyers!

Michael is very professional, attentive, knowledgeable, always ready to answer my questions and resolve any issues. He always made me feel secure and in good hands. Being Self Employed, my loan process required more to qualify but Mike was very encouraging through the whole process and I finally qualified and closed. I felt like he was right by my side through the entire process. I highly recommend choosing him for your loan application.

Professional and personable company. I worked with Michael Watson. He worked really well with getting all my questions and concerns answered. Got me a really great deal on closing and did his due diligence on giving me the best possible experience with purchasing a home.

It was a pleasure to work with Mr Waston he was very helpful. I would recommend him to friends and family.

I throughly enjoyed working with Mike at Citizens Financial Services, and I highly recommend their services. The communication I received was great, prompt and proactive. Mike’s level of service and knowledge really helped guide me through the process of obtaining my first mortgage. We are now happily closed and settled into our new home. Thank you!

Mr. Watson was referred to me by my agent. On our initial phone call he was able to explain to me the loan process in great details, and he made sure that I was comfortable with the entire process. If I had any questions he didn’t hesitate to answer and he made sure that I understood what he was explaining to me. I loved when I called or emailed him with my questions or concerns, that he would answer me in a reasonable time. He definitely made the home buying process smoother than I thought it would be. I would definitely recommend Mr. Watson!

As a licensed REALTOR® the most important three words we want to hear from any lender are “Clear to Close”. Especially, in today’s market. When this doesn’t occur it effects everyone in the process. Not only the buyer, but the seller as well. In short, NO one WINS!! Working with this team has been enlightening and educationally rewarding even as a real estate agent. They take the time to ensure the buyer is fully aware of their options. Mtg. loans are not a one size fit all (I'm learning). However, they make sure my buyers fully understand “why”. Many first-time buyers have no idea the number of programs out in the market today, and without a seasoned broker many will never know. This team is top notch, and I would recommend any agent, first time homebuyer, or homeowner looking to refinance to give them a shot. Not only will you not be disappointed, but you will walkaway well informed! Thanks team, for always taking great care of my clients. Without you guys, my deals would be much harder!