Sharon Lee

My boyfriend and I were first time home buyers, and Joseph was an immense help to us, as we had very little knowledge to start with. He took his time and described each process with us, and helped us find the best rate for our situation, explaining in detail, the benefits and differences of fixed rates and variable rates. As first time buyers, we had many questions and Joseph was quick to respond in detail. We highly reccomend having a conversation with him, and using his services.

Alan Sitt

Joseph helped my fiancé and I secure a mortgage for our first home and the rate could not be beat. It was our first time using a mortgage broker and I got to say, the experience was a lot easier than I expected. Of course we were both very hesitant in the beginning not knowing what to expect, but Joseph was very patient with us throughout the process. He really took the time to explain how it all worked and kept us focused on what we needed. He is very passionate about helping us and making sure that the decisions we made were in our best interest. After the whole process, I only had one question for him, why doesn’t everyone use a mortgage broker? You don’t have to pay anything from your own pockets, he does the leg work for you in finding the best options, the lenders are very reliable and credible (the big 5 included) and after speaking with my personal banker, the rate could not be beat. So, why not..??  We would just like to say thank you again for helping us with this process and making it possible to get our first home.

Dennison Trinh

It was a pleasure working with Joseph for our unique mortgage needs. E-mail and phone communication with him was always prompt and clear, making the whole mortgage application as stress free as possible. His approach to the process was very transparent, providing us with instructions and updates, explaining any details we were unsure of, and going over all of our mortgage options. I would highly recommend Joseph to anyone looking to secure a mortgage that works best for them.

CC Mak

We had a consultation with Joseph even before purchasing our home to better understand our borrowing power and what we can actually afford. He discussed with us regarding to our lifestyle, our risk tolerance and our financial situation. Base on our situation, he prepared an analysis for our needs and the possible options. With his professional advice, we felt confident to look at potential home with a comfortable budget in mind when it came to offer time. After we are successful in getting the home that we wanted, we went back to Joseph and arranged the best option of financing that fit our financial situation. The financing process with Joseph is extremely easy and worry-free. He processed all the information quickly and able to secure a mortgage for us with a tight closing deadline. He constantly followed up with us and walked through all the steps, not to mention that he responded to our questions very promptly. The experience working with Joseph was very pleasant and stress-free. Highly recommend to first time home buyer and people who look to refinance their mortgage!

Atif Hasan

Extremely knowledgeable, thorough and detailed oriented. They walk you through the process and get you the best deal possible. Joseph works with honesty and integrity which puts you at ease especially when it comes to finding the best rate for a mortgage. I highly recommend working with Mr. Kwan and his team.