My experience dealing with Tom Valichka has been a professional and pleasurable experience. Tom contacted me early in 2022 with interest in buying a lot I owned on Lake Nottley. After talking several times by phone and messaging we came to an agreement on the sale price and the closing process. I decided I would hold the mortgage on the lot he was buying. All the details we agreed upon favored both of us. He even took charge of the arrangements for the closing with his attorney which went very smoothly. Tom has been a perfect mortgage customer and I feel very secure with the contract we drew up. He has done an excellent job making the payments on time. He is easy to work with and honest. I would not hesitate to work with him on a new project in the future.