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Just wanted to share our experience in working with Paul. Being a first time home buyer, there was a lot of trepidation and uncertainty with how the whole mortgage process works. Paul was able to guide us through the process and clearly identify and outline what we needed to do, as well as kept us informed at every step of the way. He was even taking my calls and emails while on vacation. That there shows me someone truly dedicated to their profession and to the satisfaction of his clients. I would not hesitate to recommend Paul to any of my friends and look forward to working with him again in the future. Thanks Paul, you helped my family and I realize one of our dreams. Sincerely,Tim Kim.