Baoquoc did an excellent job helping us navigate the many re-financing options that are available. His knowledge of the market conditions and good judgement enabled us to make the right decisions at the right time throughout the loan process. Thanks to him, the loan was turned around very rapidly and we obtained an excellent loan and rate package. Baoquoc is very reliable, knowledgeable, and trustworthy. We highly recommend him to anyone who is seeking to obtain a mortgage.