I still can't believe Manny Soto got me approved, I was denied by another company a year ago and they made it happen. being the main provider for my household is scary because if anything happened to me my wife would have to sell the house and they would have to rent somewhere because she wouldn't be able to afford the mortgage alone. TFA has given me the confidence knowing if anything happens to me it will be ok. My schedule is so crazy and it took me a few months to complete everything. They were patient and understanding and they explain everything to me. Love their service.