As first time homebuyers, it was quite an overwhelming process for us at the start. Thanks to Kalvin’s support and readily being available whenever we needed to reach out no matter what time or day it was, we felt at ease and felt that we were in good hands. We cannot praise Kalvin enough for going above and beyond to assist us in this journey and securing us a good rate. Thank you Kal…we not only found a go-to mortgage agent, but we also got a friend in you!