posted on 06.09.2016 by admin

“We strongly recommend Michael Ciardi, Mortgage Originator of Carefree Mortgage in Stuart, Florida. Michael provided individual and professional attention throughout the entire loan process, and it didn’t stop there; Michael followed through to the end and was with us at the closing to make sure everything went smooth. Michael is very knowledgeable regarding regulations and requirements needed to qualify for a mortgage; he guided us through the process and was always available to answer questions. We were very fortunate to have Michael Ciardi as part of our team.”

Daniel H. and Darline C.


“We would highly recommend your service. It was a great experience and much easier than expected.  Thanks for all your help, Michael!”

Paul & Cheryl B.


“Your service to my clients was exceptional. You were even able to accommodate the needs of the Seller by closing earlier than was initially requested. Excellent communication all during the process. It was one of the smoothest closings I’ve experienced”

Anna N.


“My husband and I were very skeptical about the HECM at first. We were concerned there was a catch because it sounded too good to be true. But you explained the program in detail and answered all our questions …we feel it’s one of the best things we’ve ever done for ourselves.”

Sandra and John P.


“Without this mortgage we never would have been able to buy our new home on the income we have now that we’re both retired. It’s made all the difference in our life. Thank you for what you did for us.”



“Great service. Now we don’t have to make those mortgage payments anymore.”

Jacque and Melvin W.