We can't put into words our gratitude and appreciation for your expertise, dedication and genuine concern that you have shown to us. Not only did you efficiently process our reverse mortgage and assisted us in our very difficult situation. That kind of support and interest is unheard of. I hope our friendship will continue. God Bless you Kevin, With warmest regards,

Dear Kevin, Thank you, thank you, thank you, for helping me through the process of acquiring a reverse mortgage. From the beginning, I felt very comfortable with you, which is very unusual for me. You were very professional, knowledgeable, helpful, kind, patient and caring. You made yourself available to answer any questions, addressed the concerns that I had and took care of any issues that arose. you also kept in touch with progress reports. It was a pleasure meeting you. Rest assured that I would recommend you to anyone interested in getting a reverse mortgage. Sincerely,

Dear Kevin, We interviewed with other reverse mortgage professionals, found your website through Google, and although you were located on Long Island we decided to give you a call. Although living in upstate NY our path was directed to you, Kevin Bailie. Soon after on initial call, and reading through material sent to us by you, you visited us in our home, a long ride from Smithtown to Warwick. Instant connection, trust, and friendship followed. Your knowledge was thorough, realistic and you followed through on everything. You understood our needs immediately and guided us skillfully along our path. I cannot imagine a more competent mortgage broker. It is relatively easy to find knowledgeable people but it is truly a gift to find people whose motives are more than "commission oriented". You wanted to help us reach our financialals because it was good for us and you did so in a gentle and professional way and for this we will be forever grateful. We recommend you, Kevin, to anyone considering any mortgage needs and, in fact, believe your character and devotion to be unmatched. Thank you All Island and thank you Kevin Bailie !

Dear Kevin, Finally sitting down to write this letter to thank you for all the work you put into getting me a reverse mortgage. Your kindness and consideration was well appreciated. You made the process easy and convenient for me. Your attention to all the details of the mortgage was explained to me and understandable for some one unfamiliar with the workings of reverse mortgages. Once again I would like to say how much I appreciated all your efforts and that I would recommend you to any one I know who is interested in a reverse mortgage. Sincerely,

Dear Kevin, We contacted the All Island Mortgage and Funding Corporation to help us arrange for the Reverse Mortgage and were lucky that you were handling our case. From the very beginning you showed deep knowledge of the subject matter, which immediately put our minds at ease - we understood that all transactions would be handled by a real expert. From day one and until the very end of the process we were treated professionally and with utmost respect. You promptly responded to all out inquiries and provided clear and concise answers to all our questions. Your honesty, expertise and patience made it easy for us to do business with you. You promised to do your best and lived up to your promise. Thank you for this. We will be happy to recommend you and your company to anyone who needs help with Reverse Mortgage.

Dear Bob, We can't thank you enough for completing the reverse mortgage on our home. Your patience and honesty was outstanding. You even waiting outside my home for almost two hours for me to come home from fishing and did not get upset when I said I forgot out appointment. And you traveled from New York to Montana to see us. You came back after the appraisal was complete and processed the loan so we could close. We will be recommending to friends and family. Thank You Again,

Dear Kevin, I would like to express my appreciation to you for the quick & easy way I obtained a Reverse Mortgage. I never thought the process would be a fast as it was. Being a recent widow, getting a reverse mortgage so quickly meant a lot to me. I will gladly give your number to any neighbor, friend or relative interested in a reverse mortgage. Once Again Thank You

Dear Kevin, Many thanks to your "Due Diligence" in making a difficult task so easy. Your kindness superseded far beyond my expectations. I will always refer to you as my friend who not only solved my financial problems, but brought peace of mind and wonderful Danish to my home. I would highly recommend your services to anyone seeking debt relief through a reverse mortgage. Always Your Friend,

Dear Mr. Robert Schiano, President of All Island Mortgage, I am writing to you to commend your organization and one of your highly regarded representative, Mr. Kevin Bailie. Mr. Bailie handled my application for a reverse mortgage until its completion. I have been very impressed with Mr. Bailie handling of this request. From the onset I have been happy with Mr. Bailie's work, he has been exceptionally knowledgeable, highly courteous and competent and professional beyond description. I am grateful for his work and for the work of All Island Corporation.

Dear Kevin, I'm writing this letter to let you know how much Pat and I appreciated your patience, understanding, and expertise in obtaining our reverse mortgage. Kevin, you answered all our questions in detail, provided us with tons of information, and guided us step by step through this process and always asking us if we had any concerns or questions. Thank you for your professionalism and your personal care. We can without hesitation recommend Kevin Bailie and all island Mortgage & Funding Corp. to anyone seeking a reverse mortgage. Sincerely

Dear Kevin, Just a note to thank you for all your help in obtaining a reverse mortgage. As you know, this has been a most stressful year for my family. Deciding to take out a reverse mortgage was a big step for me. You made the process as easy as possible. You were kind, compassionate and understanding. You were always available to answer any questions and explain everything. You stayed on top of things and kept me informed every step of the way. I don't feel I just took out a reverse mortgage - I feel I gained a new friend. Again, thank you for all your help and your kindness. Sincerely,

I have nothing but the highest regard for Kevin Bailie of All Island Mortgage & Funding Corp. During a recent difficult period in my life I was able to make informed decisions that significantly impacted my future in a very positive way due to Kevin's expertise in the field of reverse mortgages. He walked me through many legal and financial steps, helped me connect with other professionals that were needed to complete the process, and continues to follow up with me on a regular basis. His knowledge, integrity and professionalism made a very challenging time in my life manageable. In today's world you don't find many people who help the "whole" client like Kevin did for me. I can't thank him enough for his competence, honesty and very importantly his friendship.

I would like to express my profound gratitude for the help especially your candid advices, (to the unpleasant experiences I encountered) and the professionalism you have shown & accorded me through out the whole process of my application up to the finish. Thank You vey much for everything. Truly Yours,

Dear Kevin, I started researching Reverse Mortgages approximately three months ago, based primarily on the current ads on television. I contacted some of these companies and received good response from most of them. In talking with a friend of mine he mentioned All Island Mortgage, and specifically, Mr. Kevin Bailie. Since this was a Long Island based firm and they had been in existence for almost 25 years I decided to give them a call. I am extremely happy that I made this call. From the beginning he had a professional and caring manner and through the entire process this never changed. The main thing I liked was the one on one relationship, the ability to sit down and talk to someone, person to person. Kevin was always available to answer any questions in a prompt, expeditious and professional manner. Detailed technical and mathematical questions were answered and explained in a manner that was easily understood.During the process Kevin made me aware of new changes to the reverse mortgage program that would lessen the value of the product and ws able to expedite the process to make sure I received the better of the two possibilities. Once I started the paperwork, the entire process only took about 6 weeks. I chose a Long Island firm and was impressed with the level of service, concern and special attention that I was afforded. Kevin made the entire process as stress free as possible. It was a pleasure to do business with Kevin and you can be assured that I will recommend him to anyone who may need similar services. If a question were to arise in the future I am sure that Kevin will be there to answer it. Again, many thanks !!!