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Sam made our experience as a first-time homebuyer an exceptionally smooth and almost stress-free. One thing I can tell anyone about Sam is that He is good in working with numbers and making the best decision on what mortgage plan suite your need and purpose, as in our case….

He makes me as layman in home buying process understand the key point and process to mortgages. We would not have been able to get the property of our choice without the great experience and professional help from Sam.

A very great person professionally and as a person, always there to answer every question and working with us based on our need, as well as helping in term of financial advice in what is best for our growing family. I have five stars for them because they truly deserved it. They where upfront about our loan if they are going to keep it or not, but finally we had the letter that they are keeping it. And a flexible mortgage plan with no penalty.