Kal has been outstanding when coming to thinking-out-of-the-box on the purchase of our dream house. He came up with a plan to refinance existing assets allowing us to proceed with the purchase, which none of the many other brokers we consulted thought about. He worked night and day towards making it happen with tight deadlines, and was always available with reassuring advice. I have recommended Kalvin many times since, and will continue to do so. Kal is a chef, not only in the mortgage industry, but at home when baking delish cookies for his clients!