Clement Lau was a dependable and knowledgeable mortgage broker who provided me with resources and support for a smooth and pleasant mortgage process. As a first time home buyer, Clement was really patient with me, answering all my questions and taking a lot of fear out of the process. He found me the best mortgage rate that met all of my expectations. His work has allowed me to have minimal worries during an important and stressful time. I recommend Clement and his services with confidence.