Kal calls himself “your mortgage chef”, but I like to think of him as “my mortgage Santa”. In the heart of the holiday season, Kal delivered the best present: the financing I needed to help buy my first home (in Toronto, no less). My financial situation is unique, but Kal knew the recipe to make the numbers work. A mortgage “geek” and true professional, I have already recommended Kal to several of my friends. Thank you, Kal!