What families are saying
Real stories from Richmond families I've helped with their mortgages.
列治文家庭的真实贷款经历
Victor helped us buy our first home in Steveston. He explained everything in Mandarin so my parents could understand, and got us approved even though we were new PRs. The whole process took less than a month from pre-approval to offer accepted.
我们在温哥华找了好几个银行都不批，因为我是自雇。Victor帮我们找到了专门做自雇贷款的lender，利率还比银行低。非常专业，而且全程用中文沟通，让我们很安心。强烈推荐给所有自雇的朋友！
Refinanced to pull equity for our kitchen reno. Victor walked us through all the options and we saved $400/month. He calculated our penalty, showed us the break-even point, and made sure the math worked. Always responds fast on WeChat—真的很方便！
我拿工签第一次在加拿大买房，什么都不懂。Victor从头到尾帮我处理，告诉我需要准备什么文件，哪些银行接受工签申请，还帮我翻译了一些文件。现在已经搬进新家了，特别感谢Victor！
We were about to just sign our bank's renewal letter, but a friend told us to call Victor first. He found us a rate 0.65% lower than what RBC offered. Over 5 years, that's almost $20,000 in savings. Wish we had known about him for our first mortgage.
As a self-employed restaurant owner, getting a mortgage felt impossible. Victor found a lender that used my business financials instead of just my T4. He didn't give up when the first option fell through—ended up getting us a great rate.
我和老公都是新移民，刚拿到PR三个月就想买房。银行说我们没有信用记录不给贷。Victor帮我们申请了新移民项目，只要5%首付就批了！而且利率跟本地人一样。整个过程Victor都用中文跟我们解释，特别耐心。
Victor helped us upgrade from our condo to a house in the Steveston-London school catchment for our kids. He structured a bridge loan so we could buy before selling, which was crucial in this market. Truly went above and beyond.