Derek has been professional and friendly from the very start of our home search, generously sharing all his expertise with us. From the offer process for the house we found to the final key handover, he provided continuous support and put all my concerns at ease. I tend to be an overthinker, and no matter when I reached out — even during his own holiday or on Sundays — he always responded promptly. In addition to the mortgage, he also gave us invaluable help with insurance. I would not hesitate to recommend him to my friends, and I have already shared his name with those who are planning to buy a home. We truly thank him as a family. :)