This is my first time using mortgage broker. I have a pleasant experience with James. James is a very patience person. I wish I have known him earlier. He listened to my needs and gave me his professional suggestion & feedback. He assisted with refinancing my current loan so I can do other investment. He helped me to find the best and most suitable deal for me. I recognize how time consuming this must be for him and sometime I have spent hours on the phone; but at no time has he made me feel that it was an inconvenience to him. He is such a humor person and sometime we chatted and laugh over the phone. He also called me to follow up after the settlement just to make sure everything run smoothly. I only have praise for him and will definitely use his services again. Thank you James.